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₹10 Lakh Home Loan EMI

Planning a ₹10 lakh home loan begins with understanding your EMI (Equated Monthly Instalment). Your monthly instalment is shaped by factors such as interest rate and loan tenure, and even minor variations can influence your long-term financial commitments.
Explore the key elements that impact your ₹10 lakh home loan repayment and gain clarity on how different choices affect your monthly outgo.

Home Loan EMI Calculator

Use our easy-to-use Home Loan EMI Calculator to get an estimate of your monthly EMIs on a ₹10 lakh home loan and plan your finances better.
₹50K₹1Cr
Months
1 month240 months
per annum
5%30%

₹10 Lakh Home Loan EMI Chart

Let us calculate the EMI for a ₹10 lakh home loan. For this illustration, we’ve considered repayment tenures of 5, 10, 15 & 20 years and interest rate of 9.50%* p.a. You can use our Home Loan EMI Calculator to calculate and compare EMIs.
For latest interest rates, please click here.
 

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 ₹)10,00,00010,00,00010,00,00010,00,000
Interest Payable (in ₹)2,60,1125,52,7718,79,60412,37,115
Total Amount Payable (in ₹)12,60,11215,52,77118,79,60422,47,115

*EMI calculations are indicative, rounded off, and subject to change based on applicable interest rates and loan terms.

Disclaimer: The data generated herein is completely and solely based on the information/details provided by you and such information and the resultant data is provided only for user's convenience and information purposes. Ujjivan SFB does not guarantee accuracy, completeness or correct sequence of any the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness / accuracy.
The use of any information set out is entirely at the User's own risk. User should exercise due care and caution (including if necessary, obtaining of advice of tax/ legal/ accounting/ financial/ other professionals) prior to taking of any decision, acting or omitting to act, on the basis of the information contained / data generated herein. Ujjivan SFB does not undertake any liability or responsibility to update any data. No claim (whether in contract, tort (including negligence) or otherwise) shall arise out of or in connection with the services against the bank. Neither Ujjivan SFB nor any of its agents or licensors or group companies shall be liable to user/ any third party, for any direct, indirect, incidental, special or consequential loss or damages (including, without limitation for loss of profit, business opportunity or loss of goodwill) whatsoever, whether in contract, tort, misrepresentation or otherwise arising from the use of these tools/ information contained / data generated herein.

Why Choose Ujjivan SFB Home Loan?

Affordable Interest Rates

Designed to keep your EMIs comfortable while optimising the overall cost of borrowing.

Faster Approvals
Streamlined processes that help you move from application to sanction without delays.

Flexible Repayment Tenures

Choose a tenure that aligns with your income flow and long-term financial plans.

Stress-free Loan Journey

A simplified and seamless experience from application to disbursal.

No Hidden Charges

Transparent pricing with complete visibility on every cost involved.

24/7 Customer Support

Round-the-clock assistance to address your queries whenever you need it.

How to Apply for a ₹10 Lakh Home Loan with Ujjivan SFB?
You can follow the steps below to apply for a home loan with us:
  1. 1

    Visit our Home loan page

  2. 2

    Click on Apply Now

  3. 3

    Fill out the necessary details and click 'Submit'

Our representatives will contact you to guide you further

What Affects the EMI on a ₹10 Lakh Home Loan?
Your EMI on a ₹10 lakh loan depends on the following:

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.

Different Budget options
FAQs

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.