Rs. 1 Crore Home Loan EMI

Get 1 Crore home loan at just 7.85% home loan interest for 30 years. Your Rs. 1 Crore home loan EMI will only be Rs 68,897. Apply now to secure a 1 Crore home loan today and step closer to the house you've always wanted.

  • Interest Rates
  • EMI Calculator
  • EMI for 5 Years
  • EMI for 10 Years
  • EMI for 20 Years
  • EMI for 30 Years
  • Eligibility
  • Documents Required
  • How to Apply

Rs. 1 Crore Home Loan EMI with Different Banks Interest Rates - 2025

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

The EMI is Calculated for a Maximum tenure for different interest rates for Respective banks:

Top BanksInterest RatesMax TenureEMI (in Rs.)
HDFC Bank Home Loan8.45% - 9.30%30 yearsRs. 76,537
Kotak Mahindra Bank8.20%25 yearsRs. 78,511
PNB Housing Finance8% - 9.70%30 yearsRs. 75,127
Bajaj Finserv7.99% - 17.00%32 yearsRs. 68,717
Federal Bank9.15%30 yearsRs. 81,544
SBI Home Loan7.50% - 8.45%30 yearsRs. 69,921
ICICI Bank Home Loan8.75% - 10.05%30 yearsRs. 76,891
Aditya Birla Housing Finance8.50%30 yearsRs. 75,127
Tata Capital Housing Finance8.75%30 yearsRs. 73,307
Central Bank of India7.85% to 8.75%30 yearsRs. 68,897

Disclaimer: The interest rates are as of 25-03-2025.

Compare Best Home Loan Interest Rates starting @7.85% from multiple Banks and NBFCs.

Home Loan Lowest Interest rates

Rs 1 Crore Home Loan EMI Calculator

Every Home Loan EMI is subject to the loan amount sanctioned, the applicable interest rate and the selected repayment tenure. Home Loan EMI for a Rs 1 Crore home loan can be easily calculated through the Home Loan EMI calculator within a minute.

MyMoneyMantra Home Loan EMI calculator can provide you the exact Home Loan EMI for the selected Home Loan amount, tenure and rate of interest. 

You’re just required to enter the desired home loan, the tenure in which you wish to repay the Home Loan and the interest rate quoted by the bank or housing financier. With MyMoneyMantra’s Home Loan EMI calculator, you can ascertain your monthly repayments before you take a Home Loan.

1 Crore Home Loan EMI for 5 Years

The Rs. 1 Crore home loan EMI for 5 years tenure at a 7.85% p.a. interest rate would come to Rs. 1,99,667 The EMI on an Rs. 1 Crore Home Loan for a tenure of 5 years varies from lender to lender based on the interest rate offered and the borrower’s eligibility.

Loan AmountRs. 1,00,00000
Rate of Interest7.85%
Loan Tenure5 years
Loan EMIRs. 1,99,667
Total Interest Rs. 19,80,047
Total RepaymentRs. 1,19,80,047

You can also use Loan Prepayment Calculator to find out how much you will save on interest and how it affects your Loan EMI.

1 Crore Home Loan EMI for 10 Years

The Rs. 1 Crore loan EMI for 10 years tenure at an interest rate of 7.85% p.a. would come to Rs. 1,17,920. 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.

Loan AmountRs. 1,00,00000
Rate of Interest7.85%
Loan Tenure10 years
Loan EMIRs. 1,17,920
Total Interest Rs. 41,50,443
Total RepaymentRs. 1,41,50,443

You can also use Loan Prepayment Calculator to find out how much you will save on interest and how it affects your Loan EMI.

1 Crore Home loan EMI for 20 years

The EMI for 1 Crore home loan for 20 years tenure at an interest rate of 7.85% p.a. would come to Rs. 79,645. 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.

Loan AmountRs. 1,00,00000
Rate of Interest7.85%
Loan Tenure20 years
Loan EMIRs. 79,645
Total Interest Rs. 91,14,708
Total RepaymentRs. 1,91,14,708

Looking for 30 lakh Home Loan? Check Interest rates, Eligibility, EMI Online & Apply Now!

1 Crore Home Loan EMI for 30 Years

EMI for Rs. 1 Crore home loan for 30 years of tenure will be Rs. 68,897 at an interest rate of 7.85% 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. 

Loan AmountRs. 1,00,00000
Rate of Interest7.85%
Loan Tenure30 years
Loan EMIRs. 68,897
Total Interest Rs. 1,48,02,996
Total RepaymentRs. 2,48,02,996

You can also check features, benefits and documents required for DDA Housing Scheme

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. 1,40,000.
  • Credit score is also a major factor which impact interest rate of home loan. So, check credit score before applying for a loan.

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.

You can also check SBI Home Loan Eligibility Online through MyMoneyMantra

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.

You can also Check Pan Numbers for All Banks Online

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.

1 Crore Home Loan EMI FAQs

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 7.85% p.a. for a tenure of 30 years, your EMI (Equated Monthly Instalment) will be Rs. 68,897.

The minimum salary required to apply for a home loan of Rs. 1 Crore is Rs. 1,40,000 per month.

The State Bank of India offers housing loan at an interest rate between 7.50% - 8.45% p.a. Based on this interest rate range, the Rs. 1 Crore home loan EMI for 20 years tenure in SBI ranges from Rs. 80,559.

HDFC offers housing loan at an interest rate between 8.45% - 9.30% 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. 76,537.

According to the online Home Loan Eligibility Calculator, you can get up to Rs. 30 Lakhs home loan on an Rs. 50,000 monthly salary.

The EMI for Rs. 1 Crore home loan for a tenure of 15 years varies depending on the interest rate charged by the lender. For instance, if the rate of interest on the loan is 7.85% p.a., the EMI would be Rs. 91,851.

The EMI for Rs. 1 Crore home loan for a tenure of 10 years varies depending on the interest rate charged by the lender. For instance, if the rate of interest on the loan is 7.85% p.a., the EMI would be Rs. 1,17,920.

Updated On Jul 2, 2025
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Written By Reshma RawatAssistant Content Manager of MyMoneyMantraCredit Cards, Credit Score, Personal Loan, Home Loan, etc.

Reshma Rawat is a passionate writer, with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra, and writes blogs & webpages on financial products (loans, credit cards, insurance, financial policies by government, mutual funds, etc.

Assistant Content Manager of MyMoneyMantra
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Written By Abhijeet SinghSenior Editor of MyMoneyMantraCredit Cards, Credit Score, Personal Loan, Home Loan, etc.

Abhijeet Singh has comprehensive experience in business writing, content management, SEO, social media and user analytics. Key areas of expertise include stock markets and personal finance.

Senior Editor of MyMoneyMantra