10 Lakh Home Loan Fees and Charges
10 Lakh Home Loan Fees and Charges

EMI for 5 Years* | EMI for 10 Years* | EMI for 15 Years* | EMI for 20 Years* | |
EMI (in ₹) | 21,002 | 12,940 | 10,442 | 9,321 |
| Principal Amount (in ₹) | 10,00,000 | 10,00,000 | 10,00,000 | 10,00,000 |
| Interest Payable (in ₹) | 2,60,112 | 5,52,771 | 8,79,604 | 12,37,115 |
| Total Amount Payable (in ₹) | 12,60,112 | 15,52,771 | 18,79,604 | 22,47,115 |
*EMI calculations are indicative, rounded off, and subject to change based on applicable interest rates and loan terms.
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Interest Rate
Even small changes in the interest rate can affect how much you pay over the years. A slight increase or decrease directly impacts the monthly EMI as well as the total cost of the loan.
Loan Type
Whether the loan is fixed or floating affects how your EMI behaves. Fixed-rate loans keep the EMI stable throughout, while floating-rate loans may change based on market conditions.
Tenure
Your repayment period plays a major role in shaping the EMI. A shorter tenure increases the monthly instalment but reduces your overall interest, while a longer tenure does the opposite.
EMI depends on factors such as the applicable interest rate, chosen loan tenure, repayment structure, and other policies. Changes in any of these elements can impact your monthly outgo and total repayment.
A longer tenure generally results in lower EMIs but higher overall interest paid, while a shorter tenure increases EMIs but reduces total interest cost, helping you close the loan sooner.
Yes, if the loan is linked to a floating interest rate, EMIs may increase or decrease based on changes in benchmark rates or lender revisions during the repayment period.
Both salaried and self-employed individuals are eligible to apply for a home loan with Ujjivan SFB.
Yes, you should account for charges such as processing fees, legal and valuation costs, insurance premiums, and applicable taxes, which are separate from the monthly EMI amount.