5 Crore Home Loan EMI
If you're planning to take a ₹5 Crore home loan, understanding your EMI and interest rates is crucial for financial planning. With an interest rate of 8.35%, your estimated EMI would be ₹3.79 lakh for a 30-year tenure or ₹4.29 lakh for a 20-year tenure. To comfortably afford this, your monthly income should exceed ₹7–8 lakh (post-deductions) with no other EMIs.
Rs 5 crore Home Loan EMI Details
Paying your Home Loan EMI is the first thing that you pay once your salary gets credited. It is very important to take into account the magnitude of your home loan EMI beforehand taking a loan of big amount as Rs 5 crore.
Following are the details of Rs 5 crore home loan EMI for 5 years, 10 years, 15 years, 20 years and 30 years tenure at a 7.85% p.a. interest rate:
| Loan Amount | Interest Rate (p.a.) | Tenure | EMI |
| ₹ 5,00,00,000 | 7.85% | 5 Years | ₹ 10,22,216 |
| ₹ 5,00,00,000 | 7.85% | 10 Years | ₹ 6,15,924 |
| ₹ 5,00,00,000 | 7.85% | 15 Years | ₹ 4,87,983 |
| ₹ 5,00,00,000 | 7.85% | 20 Years | ₹ 4,29,176 |
| ₹ 5,00,00,000 | 7.85% | 25 Years | ₹ 3,97,572 |
| ₹ 5,00,00,000 | 7.85% | 30 Years | ₹ 3,79,154 |
You can also check the features, benefits and documents required for DDA Housing Scheme.
Rs. 5 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. 5 Crore Home Loan at different interest rates. Following are the interest rates of top ten banks and NBFCs for a Home Loan of Rs. 5 Crore. The EMI is calculated for a tenure of 30 years for different interest rates within the slab stipulated for each bank:
The EMI is Calculated for a Maximum tenure for different interest rates for Respective banks:
| Top Banks | Interest Rates | Max Tenure | EMI (in Rs.) |
|---|---|---|---|
| HDFC Bank Home Loan | 8.70% to 9.55% | 30 years | 3,93,350 |
| Kotak Mahindra Bank | 8.65% | 25 years | 4,11,072 |
| PNB Housing Finance | 8.40% - 10.10% | 30 years | 3,84,457 |
| Bajaj Finserv | 8.25% - 17.00% | 32 years | 3,79,400 |
| Federal Bank | 8.80% | 32 years | 3,90,263 |
| SBI Home Loan | 8.25% - 9.20% | 30 years | 3,84,457 |
| ICICI Bank Home Loan | 8.75% | 30 years | 3,93,350 |
| Aditya Birla Housing Finance | 8.60% | 30 years | 3,38,006 |
| Tata Capital Housing Finance | 8.75% | 30 years | 3,93,350 |
| Central Bank of India | 8.35% - 9.50% | 30 years | 3,79,154 |
Check Best Home Loan Interest Rates starting @7.85% from different banks and NBFCs
5 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 5 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.
Rs. 5 Crore Home Loan EMI for 10 Years
The Rs. 5 Crore home loan EMI for 10 years tenure at an interest rate of 7.85% p.a. would come to Rs. 6,15,924 The EMI on a loan of Rs. 5 Crore for a tenure of 10 years varies from lender to lender depending on their rate of interest and borrower’s eligibility.
| Loan Amount | Rs. 5,00,00000 |
| Rate of Interest | 7.85% |
| Loan Tenure | 10 years |
| Loan EMI | Rs. 6,15,924 |
| Total Interest | Rs. 2,39,10,933 |
| Total Repayment | Rs. 7,39,10,933 |
EMI for Rs 5 Crore Home Loan for 20 Years
The EMI for 5 Crore home loan for 20 years tenure at an interest rate of 7.85% p.a. would come to Rs. 4,29,176. The EMI on a loan of Rs. 5 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 Amount | Rs. 5,00,00000 |
| Rate of Interest | 7.85% |
| Loan Tenure | 20 years |
| Loan EMI | Rs. 4,29,176 |
| Total Interest | Rs. 5,30,02,355 |
| Total Repayment | Rs. 10,30,02,355 |
5 Crore Home Loan EMI for 30 Years
EMI for Rs. 5 Crore home loan for 30 years of tenure will be Rs. 3,79,154 at an interest rate of 7.85% p.a. There can be a change in the EMI on an Rs. 5 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. 5 Crore home loan EMI calculator available on our website to calculate the EMI for Rs. 5 Crore home loan for various tenures and interest rates.
| Loan Amount | Rs. 5,00,00000 |
| Rate of Interest | 7.85% |
| Loan Tenure | 30 years |
| Loan EMI | Rs. 3,79,154 |
| Total Interest | Rs. 8,64,95,484 |
| Total Repayment | Rs. 13,64,95,484 |
Factors affecting your Rs 5 crore home loan EMI
The factors that affect Rs. 5 Crore home loan EMI are:
- Income: Individuals employed in Central/State Government organisations and Public Sector Organisations have guaranteed income. The interest rates for loans to these individuals will be comparatively lower, and the cost of the loan will also be lower.
- Interest type: If you have chosen a fixed interest rate, then the rate of interest will be 1 to 2% higher than the floating interest rate. As per current trend it is advisable to go for a fixed interest rate initially for 3 yrs and then switch to floating rate of interest.
- LTV Ratio: The rate of interest charged depends on the LTV Ratio. Banks normally provide 80% of the market value of the property as a home loan. The higher the margin, the lower will be the interest rate as the risk associated will be lower for the lender. With a better interest rate, the EMI will also be lower.
- Tenure: A longer tenure will lead to a higher EMI and vice versa.
You can now check BOI MCLR Online
Eligibility for Rs 5 crore Home Loan
You have to meet the following Home Loan Eligibility Criteria to be eligible to avail of a home loan of Rs. 5 Crores:
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 ₹7–8 lakh
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
Documents Required for Rs 5 crore Home Loan
You will have to submit the following documents to apply for Rs 5 crore home loan:
- Duly filled and signed home loan application form.
- Recent passport-sized photographs of the applicant.
- Identity proof like Pan Card, 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 the 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.
Also Check Pan Number for Home Loan of All the banks Online through MyMoneyMantra
How to Apply Up to Rs 5 crore Home Loan Loan?
The step-by-step process to apply for a home loan of Rs 5 crores is given below:
- Visit our website and click on the ‘Home Loan’ that is mentioned under the ‘Loans’ section.
- Fill out the online application accurately by entering all the details as required.
- Enter the ‘OTP’ received on your registered mobile number.
- Then click on the ‘Submit’ button to view the best home loan offer quotes.
- Home loan offers from our partner lenders will be displayed on your screen according to the information entered by you.
- Choose the lender preferred by you and apply online.
- Our home loan experts will connect with you soon regarding the completion of your home loan process.
You can also check How to Apply for Pradhan Mantri Awas Yojana.
Rs. 5 crore Home Loan EMI FAQs
Your monthly income should ideally be ₹7–10 lakh (post-tax) to comfortably afford the EMI, as lenders typically allow an EMI-to-income ratio of 40–50%.
PNB Housing Finance offers home loans at an annual interest rate of 8.50%.
Check out the table below to find out the respective EMI of Rs 5 Cr home loan for 30 years and other tenures:
| Interest Rate p.a. | EMI for 10 yrs (in Rs.) | EMI for 20 yrs (in Rs.) | EMI for 30 yrs (in Rs.) |
|---|---|---|---|
| 8.50% | 6,26,634 | 4,33,912 | 3,84,457 |
| 11.15% | 6,93,002 | 5,21,208 | 4,81,837 |
You can get upto 60 times your workable salary. By workable salary, we mean the amount which is left after all the EMI and bills deduction from your take home salary. If we assume it to be Rs 150000 then you can get a home loan of around Rs 70 lakhs to Rs 80 lakhs depending on your credit worthiness.
Yes, most banks allow prepayment or foreclosure, but some may charge a penalty (usually 2–5% of the outstanding amount). Check the terms before proceeding.
Most banks offer a maximum tenure of 30 years, depending on your age and repayment capacity.
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