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Taking a ₹ 25 Lakh Home Loan is a significant step toward owning your dream home. One of the most important aspects of this decision is understanding your EMI (Equated Monthly Instalment). An EMI is the monthly repayment you make to your lender that includes both the principal and interest portions. The EMI you pay depends on several factors such as the loan amount, interest rate, and repayment tenure.
A ₹ 25 Lakh Home Loan EMI calculator helps borrowers estimate their monthly payments based on the principal amount, applicable interest rate, and loan tenure. With this calculator, you can quickly try different combinations to find the most suitable EMI plan for your budget.
To use it:
The calculator will display your monthly EMI and total repayment amount. This tool is essential for anyone looking to secure a 25 Lakh Home Loan as it provides clarity on affordability and repayment planning.
Let’s explore how the 25 Lakh Home Loan EMI changes across tenures with an interest rate of 8.70% p.a.
| Tenure | Monthly EMI (₹ ) | Total Interest Payable | Total Repayment |
|---|---|---|---|
| 5 years | ₹ 51,472 | ₹ 5,88,335 | ₹ 30,88,335 |
| 10 years | ₹ 31,197 | ₹ 12,43,681 | ₹ 37,43,681 |
| 15 years | ₹ 24,839 | ₹ 19,70,984 | ₹ 44,70,984 |
| 20 years | ₹ 21,934 | ₹ 27,64,042 | ₹ 52,64,042 |
| 25 years | ₹ 20,384 | ₹ 36,15,204 | ₹ 61,15,204 |
| 30 years | ₹ 19,489 | ₹ 45,16,122 | ₹ 70,16,122 |
This breakdown shows that shorter tenures mean higher EMIs but lower total interest. Longer tenures result in lower EMIs but higher total interest over the loan’s life. It’s important to balance affordability with total cost when choosing a term.
| Type | Criteria |
|---|---|
| Residency | Indian resident or NRI |
| Age requirement | Salaried: 23 years to 70 years Self-employed: 25 years to 70 years |
| Profession | Salaried / self-employed professionals and non-professionals |
| Other | Can be increased by adding co-applicant income or other verifiable income sources |
| Loan Amount | Tenure | Interest Rate | EMI |
|---|---|---|---|
| ₹ 25 Lakh | 10 years | 8.70% p.a. | ₹ 31,197 |
This plan is best suited for those with high incomes who prefer to close their loan early and save on interest.
| Loan Amount | Tenure | Interest Rate | EMI |
|---|---|---|---|
| ₹ 25 Lakh | 15 years | 8.70% p.a. | ₹ 24,839 |
This is a balanced choice between manageable EMIs and interest savings. It works well for mid-level salaried employees or professionals with long-term repayment comfort.
| Loan Amount | Tenure | Interest Rate | EMI |
|---|---|---|---|
| ₹ 25 Lakh | 20 years | 8.70% p.a. | ₹ 21,934 |
This tenure is ideal for most first-time homebuyers who want affordable monthly instalments without excessive interest burden.
| Loan Amount | Tenure | Interest Rate | EMI |
|---|---|---|---|
| ₹ 25 Lakh | 30 years | 8.70% p.a. | ₹ 19,489 |
A 30-year term reduces the monthly EMI burden significantly.
List of all fees and charges for Home Loan
| Type | Interest Rate and Charges |
|---|---|
| Processing Fees / Documentation Charges: | Up to 3% of sanctioned amount + applicable taxes (this is inclusive of Login Fee) |
| Login Fees: | Up to ₹ 5000 (inclusive of applicable taxes)(non refundable) |
| EMI Dishonour/Bounce Charge* | As shown in the table below |
| *A bounce charge is a charge for (i) dishonour of any repayment instrument; or (ii) non-payment of instalment(s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate | |
| Loan sanction amount (in INR) | Charges in (in INR) |
| < ₹ 5 Lakh | ₹ 500 |
| ₹ 5 Lakh - ₹ 50 Lakh | ₹ 1000 |
| > ₹ 50 Lakh – ₹ 2 Crore | ₹ 1500 |
| > ₹ 2 Crore | ₹ 2000 |
| Penal Charge/Late Payment Charges (LPC): | 2% per month on overdue EMI + applicable taxes |
| *LPC revised from 3% to 2% per month on overdue EMI w.e.f. 4th Dec 2023 | |
| *Taxes applicable on LPC w.e.f. 1st Apr 2024 | |
| Annual Maintenance Charges: | NA |
| Duplicate NOC Charges: | First 3 paper copies - free of cost |
| ₹ 250/- + applicable taxes | |
| Repayment Swap Charges (per swap): | ₹ 500/- + applicable taxes (applicable only for branch walk-ins) |
| Charges for documents: | Nil for Statement of Account/Repayment Schedule /Foreclosure Letter & Welcome Kit |
| Valuation Charges: | As per actuals |
| Documentation Charges: | As per actuals |
| Cash Pickup Charges: | NIL |
| Interest Rate Conversion Charges: | Up to 0.5% on Balance Loan Amt + applicable taxes (or) Minimum ₹ 10,000/– whichever is higher |
| List of documents: | ₹ 300/ – +applicable taxes |
| Providing Photo copies: | ₹ 500/ – +applicable taxes of the documents (property & others) |
| Charges incurred by LTF for initiating action under Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act 2002: | Issue of Loan Recall Notice = ₹ 500/ – |
| Issue of Demand Notice = ₹ 1,000/ – | |
| Issue of Possession Notice = ₹ 2,000/ – | |
| Applying District Magistrate Order = ₹ 8,000/ – | |
| Taking Physical possession = ₹ 20,000/ – | |
| Actual cost incurred will be debited for expenses pertaining to Publication of Possession Notice/ Publication Demand Notice/Publication of Sale cum Auction Notice | |
| Legal / Recovery Charges (Other than pertaining to SARFAESI): | As per actuals |
| Loan Cancellation Charges: | ₹ 5000/ – + applicable taxes |
| Foreclosure / Full Prepayment Charges: | For Individual / Non-Individual Borrowers – |
| Floating Rate – Nil Charge | |
| Fixed Interest Rate – | |
| i. Less than 1 year from disbursement – up to 3% on principal outstanding + applicable taxes | |
| ii.Post 1 year of disbursement – up to 2% on principal outstanding + applicable taxes | |
| Foreclosure / Full Prepayment Charges – Home Loan: | Fixed Interest Rate – |
| i. Less than 1 year from disbursement – up to 3% on principal outstanding + applicable taxes | |
| ii. Post 1 year of disbursement – up to 2% on principal outstanding + applicable taxes | |
| Pre-payment Charges – Home Loan: | For Individual / Non-Individual Borrowers – |
| Floating Rate – Nil Charge | |
| Fixed Interest Rate – | |
| i. Less than 1 year from disbursement – up to 3% on Partial Prepayment amount + applicable taxes | |
| ii. Post 1 year of disbursement – up to 2% on Partial / Prepayment amount + applicable taxes | |
| Switch Charges: | Up to 1% on principal outstanding loan amount + applicable taxes (or) minimum Rs.10,000/– whichever is higher |
| Non-Compliance Charges: | Up to 1% p.a. of principal outstanding loan amount + applicable taxes |
*Terms & Conditions Apply. All actual charges will be as per Key Fact Statement (KFS) shared by the company.
Apply for Home Loan with these steps
1. Submit Personal and Income Details
Get your eligibility assessed in just 5 minutes* with your personal and income details
2. Provide Property details
Submit your property details in order to get the digitised sanction on your Home Loan without any delay
3. Get your final offer
Receive your sanction letter which includes the interest rate, tenure and your loan amount details
4. Finish Your eKYC Process
Complete your electronic Know Your Customer (eKYC) verification by providing necessary documents
5. Authorise Your Mandate and Get Your Loan Approved:
Complete the eMandate process to secure official approval for your loan and proceed with disbursement
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