₹10 Lakh Home Loan EMI
Planning to take a ₹10 lakh home loan? Knowing your EMI in advance may help you manage your monthly expenses better and borrow with confidence.
Explore our detailed ₹10 lakh home loan EMI breakdown below to understand how different tenures affect your monthly outgo and overall loan cost. This will help you choose a repayment plan that aligns comfortably with your income and financial goals.
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.
Break-up of Total Payment
Monthly Loan EMI
Principal
Total Interest
Total Payment
(Principal + Interest)
₹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 ₹) | 10,00,000 | 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.
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?
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:
What Affects the EMI on a ₹10 Lakh Home Loan?
Your EMI on a ₹10 lakh loan depends on the following:
Home Loan Options in Different Cities
FAQs
1. What factors can influence my home loan EMI?
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.
2. How does loan tenure affect my home loan EMI?
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.
3. Can the EMI on a ₹10 lakh home loan change during the loan tenure?
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.
4. Who is eligible to apply for a ₹10 lakh home loan?
Both salaried and self-employed individuals are eligible to apply for a home loan with Ujjivan SFB.
5. Are there additional costs apart from the EMI on a ₹10 lakh home loan?
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.