HDFC Home Loan EMI Calculator Rates updated October 2026
Quick EMI Calculation: Users can input loan amount, interest rate, and tenure to instantly calculate monthly EMIs, simplifying budgeting for home loans.
Amortization Schedule: Provides a detailed table showing the breakdown of each EMI into interest and principal components over the loan tenure, aiding transparency.
Support for Diverse Loan Types: Compatible with loans for purchasing flats, row houses, or bungalows from private developers, properties from development authorities (e.g., DDA, MHADA), or construction on freehold/leasehold plots, including special arrangements for Indian Army employees via AGIF.
HDFC Bank Home Loan EMI Calculator
Updated on Written by Ramandeep Sadana, Credit Expert with over 10 years of experience
The calculator above uses the standard reducing-balance formula. The figures below are worked at HDFC Bank's current starting rate of 8.00% p.a. (range 8.00%–13.45%). Source: HDFC Bank official rate page, checked 26 Oct 2026. Full rate card: HDFC Bank home loan interest rate.
HDFC Bank home loan EMI by loan amount and tenure
| Loan amount | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|
| ₹20 lakh | ₹24,266 | ₹19,113 | ₹16,729 | ₹15,436 | ₹14,675 |
| ₹30 lakh | ₹36,398 | ₹28,670 | ₹25,093 | ₹23,154 | ₹22,013 |
| ₹40 lakh | ₹48,531 | ₹38,226 | ₹33,458 | ₹30,873 | ₹29,351 |
| ₹50 lakh | ₹60,664 | ₹47,783 | ₹41,822 | ₹38,591 | ₹36,688 |
| ₹75 lakh | ₹90,996 | ₹71,674 | ₹62,733 | ₹57,886 | ₹55,032 |
| ₹1 crore | ₹1,21,328 | ₹95,565 | ₹83,644 | ₹77,182 | ₹73,376 |
EMI at 8.00% p.a. Each ₹1 lakh borrowed costs ₹836 a month over 20 years.
Where a ₹50 lakh EMI goes, year by year
| Year | Interest paid | Principal repaid | Balance at year end |
|---|---|---|---|
| 1 | ₹3,96,181 | ₹1,05,683 | ₹48,94,317 |
| 2 | ₹3,87,409 | ₹1,14,455 | ₹47,79,862 |
| 5 | ₹3,56,479 | ₹1,45,385 | ₹43,76,279 |
| 10 | ₹2,85,263 | ₹2,16,601 | ₹34,47,031 |
| 15 | ₹1,79,162 | ₹3,22,702 | ₹20,62,596 |
| 20 | ₹21,087 | ₹4,80,777 | ₹0 |
₹50 lakh at 8.00% over 20 years: EMI ₹41,822, total interest ₹50,37,281. In year 1, 79% of what you pay is interest.
What changes your EMI
| On a ₹50 lakh, 20-year loan | Monthly EMI | Total cost |
|---|---|---|
| Rate rises 0.25% to 8.25% | +₹781 a month | +₹1,87,507 over 20 years |
| Rate at the top of the range (13.45%) | +₹18,367 a month | +₹44,08,066 over 20 years |
| Tenure 30 years instead of 20 | −₹5,134 a month | +₹31,70,482 more interest |
The RBI raised the repo rate to 5.50% on 7 October 2026. Repo-linked floating loans reset at the bank's next reset date; prepaying a floating-rate loan carries no penalty for individual borrowers. Try the prepayment calculator.
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