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Rs. 1 Crore Home Loan EMI

Rs. 1 Crore Home Loan EMI depends on the tenure and interest rate of the loan. For example, if you avail of an Rs. 1 Crore home loan at an interest rate of 7.90% p.a. for a tenure of 30 years, your EMI (Equated Monthly Instalment) will be Rs. 72,681.

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Rs. 1 Crore Home Loan EMI Details

Following are the details of EMI for 1 Crore home loan for 30 years, 20 years and 10 years tenure at an interest rate of 7.90% p.a.

Loan amountRs. 1 Crore
EMI for a tenure of 30 yearsRs. 72,681
EMI for a tenure of 20 yearsRs. 83,023
EMI for a tenure of 10 yearsRs. 1,20,800

Additional Info: Looking for 75 Lakh Home Loan? Check EMI & Apply

Rs. 1 Crore Home Loan Interest Rates - 2022

There are many banks, non-banking financial companies (NBFCs) and other financial institutions that offer Rs. 1 Crore Home Loan at different interest rates. Following are the interest rates of top ten banks and NBFCs for a Home Loan of Rs. 1 Crore:

HDFC Bank8.10% to 9.00% p.a.
ICICI Bank8.10% to 8.95% p.a.
Kotak Mahindra Bank7.99% to 8.50% p.a.
Bajaj Finserv7.70% to 14% p.a.
Axis Bank8.10% to 8.45% p.a.
Tata Capital 8.10% to 12% p.a.
PNB Housing Finance7.99% to 10.95% p.a.
Federal Bank9.05% to 9.20% p.a.
State Bank of India8.05% to 9.05% p.a.
Bank of Maharashtra7.80% to 9.20% p.a.

Additional Info: Looking for 30 Lakh Home Loan? Check EMI & Apply

Popular Banks Providing Rs. 1 Crore Home Loan

Various banks and NBFCs provide Rs. 1 Crore home loan in India. Some popular banks that provide Rs. 1 Crore home loan are HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Bank of Maharashtra, State Bank of India, Federal Bank, Punjab National Bank, Axis Bank, Bank of Baroda, and so on. The housing loan amount can be used for multiple housing-related purposes like purchasing a flat, plot, or under-construction property. The Interest Rate for a Home Loan of Rs. 1 Crore starts from as low as 7.90% p.a. The rate of interest varies from lender to lender based on the borrower’s eligibility and requirement.

Additional Info: Looking for Best Banks For Personal Loan?

Rs. 1 Crore Home Loan EMI with Different Bank

Following is the EMI for 1 Crore home loan for 20 years at with different banks:

Bank NameRate of Interest Rs. 1 Crore Home Loan EMI for 20 years tenure 
HDFC Ltd8.10% p.a.Rs. 84,267
ICICI Bank8.10% p.a.Rs. 84,267
Kotak Mahindra Bank7.99% p.a.Rs. 83,582
Bajaj Finserv7.70% p.a.Rs. 81,787
Axis Bank8.10% p.a.Rs. 84,267
Tata Capital 8.10% p.a.Rs. 84,267
PNB Housing Finance Ltd.7.99% p.a.Rs. 83,582
Federal Bank9.05% p.a.Rs. 90,294
State Bank of India8.05% p.a.Rs. 83,955
Bank of Maharashtra7.80% p.a.Rs. 82,404

Additional Info: Also check Pan Number for Banks

Rs. 1 Crore Home Loan EMI for 10 Years

The Rs. 1 Crore home loan EMI for 10 years tenure at an interest rate of 7.90% p.a. would come to Rs. 1,20,800. The EMI on a loan of Rs. 1 Crore for a tenure of 10 years varies from lender to lender depending on their rate of interest and borrower’s eligibility.

Additional Info: Looking for 50 Lakh Home Loan? Check EMI & Apply

Rate of interest p.a.EMI in Rs
7.70%Rs. 1,19,748
7.90%Rs. 1,20,800
7.99%Rs. 1,21,275
8.05%Rs. 1,21,592
8.10%Rs. 1,21,857
8.35%Rs. 1,23,185
8.45%Rs. 1,23,718
9.05%Rs. 1,26,947

Rs.1 Crore home loan EMI for 15 years @ rate of interest 7.90% p.a.

YearInterest (p.a)Principal (p.a)Closing Balance (p.a)
1Rs. 7,77,050.00Rs. 3,62,816.00Rs. 96,37,184.00
2Rs. 7,47,326.00Rs. 3,92,540.00Rs. 92,44,644.00
3Rs. 7,15,168.00Rs. 4,24,698.00Rs. 88,19,947.00
4Rs. 6,80,375.00Rs. 4,59,491.00Rs. 83,60,456.00
5Rs. 6,42,732.00Rs. 4,97,134.00Rs. 78,63,322.00
6Rs. 6,02,004.00Rs. 5,37,862.00Rs. 73,25,461.00
7Rs. 5,57,940.00Rs. 5,81,926.00Rs. 67,43,535.00
8Rs. 5,10,267.00Rs. 6,29,599.00Rs. 61,13,936.00
9Rs. 4,58,687.00Rs. 6,81,179.00Rs. 54,32,758.00
10Rs. 4,02,882.00Rs. 7,36,984.00Rs. 46,95,774.00
11Rs. 3,42,505.00Rs. 7,97,361.00Rs. 38,98,413.00
12Rs. 2,77,182.00Rs. 8,62,684.00Rs. 30,35,730.00
13Rs. 2,06,508.00Rs. 9,33,358.00Rs. 21,02,372.00
14Rs. 1,30,043.00Rs. 10,09,823.00Rs. 10,92,549.00
15Rs. 47,314.00Rs. 1,00,00,000.00Rs. 0.00

EMI for Rs. 1 Crore Home Loan for 20 years

The EMI for 1 Crore home loan for 20 years tenure at an interest rate of 7.90% p.a. would come to Rs. 83,023. The EMI on a loan of Rs. 1 Crore for a tenure of 20 years varies from lender to lender depending on the interest rate offered by the lender and the borrower’s eligibility.

Additional Info: Looking for 25 Lakh Home Loan? Check EMI & Apply.

Rate of interest p.a.EMI in Rs
7.70%Rs. 81,787
7.90%Rs. 83,023
7.99%Rs. 83,582
8.05%Rs. 83,955
8.10%Rs. 84,267
8.35%Rs. 85,835
8.45%Rs. 86,466
9.05%Rs. 90,294

Rs.1 Crore home loan EMI for 25 years @ rate of interest 7.90% p.a.

YearEMI (p.a)Interest(p.a)Principal(pa)Closing Balance (p.a)
1Rs. 9,18,244.00Rs. 7,85,253.00Rs. 1,32,991.00Rs. 98,67,009.00
2Rs. 9,18,244.00Rs. 7,74,358.00Rs. 1,43,886.00Rs. 97,23,123.00
3Rs. 9,18,244.00Rs. 7,62,570.00Rs. 1,55,674.00Rs. 95,67,449.00
4Rs. 9,18,244.00Rs. 7,49,817.00Rs. 1,68,427.00Rs. 93,99,022.00
5Rs. 9,18,244.00Rs. 7,36,018.00Rs. 1,82,226.00Rs. 92,16,795.00
6Rs. 9,18,244.00Rs. 7,21,090.00Rs. 1,97,154.00Rs. 90,19,641.00
7Rs. 9,18,244.00Rs. 7,04,938.00Rs. 2,13,306.00Rs. 88,06,335.00
8Rs. 9,18,244.00Rs. 6,87,463.00Rs. 2,30,781.00Rs. 85,75,554.00
9Rs. 9,18,244.00Rs. 6,68,556.00Rs. 2,49,688.00Rs. 83,25,866.00
10Rs. 9,18,244.00Rs. 6,48,101.00Rs. 2,70,143.00Rs. 80,55,723.00
11Rs. 9,18,244.00Rs. 6,25,970.00Rs. 2,92,274.00Rs. 77,63,448.00
12Rs. 9,18,244.00Rs. 6,02,025.00Rs. 3,16,219.00Rs. 74,47,229.00
13Rs. 9,18,244.00Rs. 5,76,119.00Rs. 3,42,125.00Rs. 71,05,104.00
14Rs. 9,18,244.00Rs. 5,48,091.00Rs. 3,70,153.00Rs. 67,34,951.00
15Rs. 9,18,244.00Rs. 5,17,767.00Rs. 4,00,477.00Rs. 63,34,474.00
16Rs. 9,18,244.00Rs. 4,84,958.00Rs. 4,33,286.00Rs. 59,01,188.00
17Rs. 9,18,244.00Rs. 4,49,461.00Rs. 4,68,783.00Rs. 54,32,404.00
18Rs. 9,18,244.00Rs. 4,11,057.00Rs. 5,07,187.00Rs. 49,25,217.00
19Rs. 9,18,244.00Rs. 3,69,506.00Rs. 5,48,738.00Rs. 43,76,479.00
20Rs. 9,18,244.00Rs. 3,24,551.00Rs. 5,93,693.00Rs. 37,82,786.00
21Rs. 9,18,244.00Rs. 2,75,913.00Rs. 6,42,331.00Rs. 31,40,455.00
22Rs. 9,18,244.00Rs. 2,23,290.00Rs. 6,94,954.00Rs. 24,45,501.00
23Rs. 9,18,244.00Rs. 1,66,357.00Rs. 7,51,887.00Rs. 16,93,613.00
24Rs. 9,18,244.00Rs. 1,04,759.00Rs. 8,13,485.00Rs. 8,80,128.00
25Rs. 9,18,244.00Rs. 38,115.00Rs. 1,00,00,000.00Rs. 0.00

EMI for Rs. 1 Crore Home Loan for 30 Years

EMI for Rs. 1 Crore home loan for 30 years of tenure will be Rs. 72,681 at an interest rate of 7.90% p.a. There can be a change in the EMI on an Rs. 1 Crore loan amount for a tenure of 20 depending on the lender, interest rate offered by the lender and the eligibility of the borrower. You can use Rs. 1 Crore home loan EMI calculator available on our website to calculate the EMI for Rs. 1 Crore home loan for various tenures and interest rates.

Additional Info: Also check SBI Home Loan EMI Calculator

Rate of interest p.a.EMI in Rs
7.70%Rs. 71,296
7.90%Rs. 72,681
7.99%Rs. 73,307
8.05%Rs. 73,725
8.10%Rs. 74,075
8.35%Rs. 75,831
8.45%Rs. 76,537
9.05%Rs. 80,822

Rs.1 Crore home loan EMI for 30 years @ rate of interest 7.90% p.a.

YearEMI (p.a)Interest (p.a)Principal (p.a)Closing Balance (p.a)
1Rs. 8,72,166.00Rs. 7,86,959.00Rs. 85,207.00Rs. 99,14,793.00
2Rs. 8,72,166.00Rs. 7,79,978.00Rs. 92,188.00Rs. 98,22,605.00
3Rs. 8,72,166.00Rs. 7,72,426.00Rs. 99,740.00Rs. 97,22,864.00
4Rs. 8,72,166.00Rs. 7,64,254.00Rs. 1,07,912.00Rs. 96,14,952.00
5Rs. 8,72,166.00Rs. 7,55,414.00Rs. 1,16,752.00Rs. 94,98,199.00
6Rs. 8,72,166.00Rs. 7,45,849.00Rs. 1,26,317.00Rs. 93,71,882.00
7Rs. 8,72,166.00Rs. 7,35,500.00Rs. 1,36,666.00Rs. 92,35,215.00
8Rs. 8,72,166.00Rs. 7,24,304.00Rs. 1,47,862.00Rs. 90,87,353.00
9Rs. 8,72,166.00Rs. 7,12,191.00Rs. 1,59,975.00Rs. 89,27,377.00
10Rs. 8,72,166.00Rs. 6,99,085.00Rs. 1,73,081.00Rs. 87,54,296.00
11Rs. 8,72,166.00Rs. 6,84,905.00Rs. 1,87,261.00Rs. 85,67,034.00
12Rs. 8,72,166.00Rs. 6,69,564.00Rs. 2,02,602.00Rs. 83,64,432.00
13Rs. 8,72,166.00Rs. 6,52,966.00Rs. 2,19,200.00Rs. 81,45,231.00
14Rs. 8,72,166.00Rs. 6,35,008.00Rs. 2,37,158.00Rs. 79,08,073.00
15Rs. 8,72,166.00Rs. 6,15,579.00Rs. 2,56,587.00Rs. 76,51,485.00
16Rs. 8,72,166.00Rs. 5,94,558.00Rs. 2,77,608.00Rs. 73,73,877.00
17Rs. 8,72,166.00Rs. 5,71,816.00Rs. 3,00,350.00Rs. 70,73,526.00
18Rs. 8,72,166.00Rs. 5,47,210.00Rs. 3,24,956.00Rs. 67,48,570.00
19Rs. 8,72,166.00Rs. 5,20,588.00Rs. 3,51,578.00Rs. 63,96,991.00
20Rs. 8,72,166.00Rs. 4,91,785.00Rs. 3,80,381.00Rs. 60,16,610.00
21Rs. 8,72,166.00Rs. 4,60,623.00Rs. 4,11,543.00Rs. 56,05,066.00
22Rs. 8,72,166.00Rs. 4,26,907.00Rs. 4,45,259.00Rs. 51,59,807.00
23Rs. 8,72,166.00Rs. 3,90,430.00Rs. 4,81,736.00Rs. 46,78,070.00
24Rs. 8,72,166.00Rs. 3,50,964.00Rs. 5,21,202.00Rs. 41,56,868.00
25Rs. 8,72,166.00Rs. 3,08,265.00Rs. 5,63,901.00Rs. 35,92,966.00
26Rs. 8,72,166.00Rs. 2,62,068.00Rs. 6,10,098.00Rs. 29,82,868.00
27Rs. 8,72,166.00Rs. 2,12,086.00Rs. 6,60,080.00Rs. 23,22,787.00
28Rs. 8,72,166.00Rs. 1,58,009.00Rs. 7,14,157.00Rs. 16,08,630.00
29Rs. 8,72,166.00Rs. 99,502.00Rs. 7,72,664.00Rs. 8,35,965.00
30Rs. 8,72,166.00Rs. 36,203.00Rs. 1,00,00,000.00Rs. 0.00

Eligibility for Rs. 1 Crore Home Loan

You have to meet the following Home Loan Eligibility Criteria to be eligible to avail of a home loan of Rs. 1 Crore:

Eligibility for Salaried Applicants

  • Applicants should be Indian residents.
  • Applicants should be aged between 18 to 65 years.
  • Applicants should have at least 3 years of work experience.
  • Applicants should be earning a monthly income of at least Rs. 1,30,000.

Eligibility for Self-employed Applicants

  • Applicants should be Indian residents.
  • Applicants should be aged between 18 to 65 years.
  • Applicants should have a profitable business for at least the last 5 years.

Documents Required for Rs. 1 Crore Home Loan

You will have to submit the following documents to apply for Rs. 1 Crore home loan:

  • Duly filled and signed home loan application form.
  • Recent passport-sized photographs of the applicant.
  • Identity proof like Aadhaar Card, Passport, Driving License, Voter ID, etc.
  • Address proof like Aadhaar Card, Passport, Driving License, Voter ID, etc.
  • Age proof like Birth Certificate, Class 10th Certificate, etc.
  • Bank statements of last 6 months.
  • Processing fee cheque.
  • Form 16 or Income Tax Return.
  • CA certified Balance Sheet and Profit & Loss Statement of last 3 years for self-employed applicants.
  • Business profile of self-employed applicants.

Additional Info: You can also Check Banglarbhumi West Bengal Land Record

How to Apply Up to Rs. 1 Crore Home Loan Loan

Follow the steps given below to apply for a home loan up to Rs. 1 Crore:

  • Visit MyMoneyMantra and click on the ‘Home Loan’ tab.
  • Fill in the online form for a housing loan by entering all the required details.
  • Enter ‘OTP’ received on your mobile to receive the best offer quote.
  • Click on the ‘Submit’ button.
  • Various offers will be displayed on the screen as per the details entered by you.
  • Choose the preferred option and apply.
  • Our home loan experts will contact you regarding the home loan process completion.

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1 Crore Home Loan EMI FAQs

✅ What is the EMI for a Rs. 1 Crore home loan?

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The EMI for Rs. 1 Crore home loan depends on the tenure and interest rate of the loan. For example, if you avail of an Rs. 1 Crore home loan at an interest rate of 7.90% p.a. for a tenure of 30 years, your EMI (Equated Monthly Instalment) will be Rs. 72,681.

✅ What is the minimum salary required for a Rs. 1 Crore home loan?

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The minimum salary required to apply for a home loan of Rs. 1 Crore is Rs. 1,20,000 per month.

✅ What is 1 Crore home loan EMI for 30 years from SBI?

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The State Bank of India offers housing loan at an interest rate between 8.05% to 9.05% p.a. Based on this interest rate range, the Rs. 1 Crore home loan EMI for 30 years tenure in SBI ranges from Rs. 73,725 to Rs. 80,822.

✅ What is 1 Crore home loan EMI for 30 years from HDFC?

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HDFC offers housing loan at an interest rate between 8.10% to 9.00% p.a. Based on this interest rate range, the Rs. 1 Crore home loan EMI for 30 years tenure in HDFC will range from Rs. 74,075 to Rs. 80,462.

✅ How much home loan can I get on a 50000 salary?

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According to the online Home Loan Eligibility Calculator, you can get up to Rs. 32 Lakhs home loan on an Rs. 50,000 monthly salary.