Rs. 80 Lakh Home Loan EMI
Get 80 lakh home loan at just 7.10% home loan interest for 30 years. Your Rs. 80 lakh home loan EMI will only be Rs. 53,763. Apply now to secure a 80 lakh home loan today and step closer to the house you've always wanted.
Best Banks Offering 80 lakh home loan with lowest Interest rate
There are many banks, non-banking financial companies (NBFCs) and other financial institutions that offer Rs. 80 lakh Home Loan at different interest rates. Following are the interest rates of top ten banks and NBFCs for a Home Loan of Rs. 80 lakh Home loan.
Disclaimer: The interest rates are as of 18-06-2026.
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 | 7.75% to 13.20% | 30 years | Rs. 57,313 |
| Kotak Mahindra Bank | 7.60% | 25 years | Rs. 59,641 |
| PNB Housing Finance | 7.75% | 30 years | Rs. 57,313 |
| Bajaj Finserv | 7.25% - 20.00% | 32 years | Rs. 54,574 |
| Federal Bank | 7.30% | 30 years | Rs. 54,846 |
| SBI Home Loan | 7.25% | 30 years | Rs. 54,574 |
| ICICI Bank Home Loan | 8.10% | 30 years | Rs. 59,260 |
| Aditya Birla Housing Finance | 8.60% | 30 years | Rs. 62,081 |
| Tata Capital Housing Finance | 8% to 13.00% | 30 years | Rs 58,701 |
| Central Bank of India | 7.10% to 8.25% | 30 years | Rs. 53,763 |
Disclaimer: The interest rates are as of 01-06-2026.
Compare Best Home Loan Interest Rates starting @7.10% from multiple Banks and NBFCs.
What is the EMI of a 80 lakh house?
| EMI for 10 Years | EMI for 20 Years | EMI for 30 Years | |
| Monthly EMI | Rs. 93,300 | Rs. 62,505 | Rs. 53,763 |
| Interest Amount | Rs. 31,95,954 | Rs. 70,01,206 | Rs. 1,13,54,520 |
| Total Amount Payable | Rs. 1,11,95,954 | Rs. 1,50,01,206 | Rs. 1,93,54,520 |
The monthly instalments have been calculated on the basis of an average interest rate of 7.10%. Interest rates differ from one bank to the other, and so does the 80 lac home loan EMI. Make sure you thoroughly check all the rates carefully before choosing any loan scheme. Your EMI on 80 lakh home loan also depends on your credit score.
Rs. 80 Lakh Home Loan Emi For 5 Years
The Rs. 80 Lakh home loan EMI for 5 years tenure at an 7.10% p.a. interest rate would come to Rs. 1,58,787. The EMI on a loan of Rs. 80 Lakhs for a tenure of 5 years varies from lender to lender based on their interest rate and borrower’s eligibility.
| Loan Amount | Rs. 80,00,000 |
| Rate of Interest | 7.10% |
| Loan Tenure | 5 years |
| Loan EMI | Rs. 1,58,787 |
| Total Interest | Rs. 15,27,238 |
| Total Repayment | Rs. 95,27,238 |
Rs. 80 Lakh Home Loan Emi For 10 Years
The Rs. 80 Lakh home loan EMI for 10 years tenure at an 7.10% p.a. interest rate would come to Rs. 94,336. The EMI on a loan of Rs. 80 Lakhs for a tenure of 10 years varies from lender to lender based on their interest rate and borrower’s eligibility.
| Loan Amount | Rs. 80,00,000 |
| Rate of Interest | 7.10% |
| Loan Tenure | 10 years |
| Loan EMI | Rs. 93,300 |
| Total Interest | Rs. 31,95,954 |
| Total Repayment | Rs. 1,11,95,954 |
Additional Info: Looking for 1 Crore Home Loan? Check EMI & Apply
Rs. 80 Lakh Home Loan Emi For 20 Years
The EMI for 80 Lakhs home loan for 20 years tenure at an 7.10% p.a. interest rate would be Rs. 62,505. The EMI varies from lender to lender based on the interest rate offered by the lender, existing EMI obligations and eligibility of the borrower.
| Loan Amount | Rs. 80,00,000 |
| Rate of Interest | 7.10% |
| Loan Tenure | 20 years |
| Loan EMI | Rs. 62,505 |
| Total Interest | Rs. 70,01,206 |
| Total Repayment | Rs. 1,50,01,206 |
Additional Info: Also check SBI Home Loan EMI Calculator
Rs. 80 Lakh Home Loan Emi For 30 Years
EMI for Rs. 80 Lakhs home loan for 30 years of tenure will be Rs. 53,763 at an interest rate of 7.10% p.a. The EMI can fluctuate depending on the lender, interest rate offered by the lender and the borrower’s eligibility. You can use Rs. 80 Lakhs home loan EMI calculator available on our website for calculating the EMI for Rs. 80 Lakhs home loan for various tenures and interest rates.
| Loan Amount | Rs. 80,00,000 |
| Rate of Interest | 7.10% |
| Loan Tenure | 30 years |
| Loan EMI | Rs. 55,118 |
| Total Interest | Rs. 1,13,54,520 |
| Total Repayment | Rs. 1,93,54,520 |
Eligibility Criteria for Rs. 80 Lakh Home Loan
You have to meet the Home Loan Eligibility Criteria as mentioned below to be eligible to avail of a home loan of Rs. 80 Lakhs:
Eligibility Criteria for Salaried Applicants
- Credit score is also a major factor which impact the interest rate of home loan. So, check credit score before applying for a loan.
Eligibility Criteria for Self-employed Applicants
- Applicants must be Indian residents.
- Applicants must be in the age group of 18 to 65 years.
- Applicants must have a profitable business for at least the last 5 years.
Additional Info: Also check How to Calculate Home Loan Eligibility on Your Own?
Documents Required for Rs. 80 Lakh Home Loan
You will have to submit the documents as mentioned below to apply for Rs. 80 Lakhs home loan:
- Home loan application form - duly filled & signed.
- Recent passport-sized photographs.
- Aadhaar Card, Passport, Driving License, Voter ID, etc as identity proof.
- Aadhaar Card, Passport, Driving License, Voter ID, etc as address proof.
- Birth Certificate, Class 10th Certificate, etc as age proof.
- Last 6 months’ bank statements.
- Processing fee cheque.
- Form 16/ Income Tax Return.
- Balance Sheet and Profit & Loss Statement of the last 3 years (CA certified) for self-employed applicants.
- Business profile of self-employed applicants.
You can also Apply for Pan Number for All Banks
How to Apply Up to Rs. 80 Lakh Home Loan
Follow the steps mentioned below to apply for a home loan up to Rs. 80 Lakhs:
- Visit our website and click on the ‘Home Loan’ tab.
- Fill in the complete online form for a home loan by entering all the mandatory details.
- Enter the ‘OTP’ received on your mobile phone to receive the best home loan offer quote.
- Click on the ‘Submit’ button.
- Many housing loan offers will be displayed on your computer/mobile screen as per the information entered by you.
- Choose your preferred option and apply.
- Our home loan team will contact you regarding the home loan process completion.
Rs. 80 Lakh Home Loan EMI FAQs
The EMI for Rs. 80 Lakhs home loan depends on the tenure and rate of interest of the loan. For instance, if you avail of an Rs. 80 Lakhs home loan at an interest rate of 7.10% p.a. for a tenure of 30 years, your EMI will be Rs. 53,763.
The minimum salary required to apply for an Rs. 80 Lakhs home loan is Rs. 1,15,000 per month. The income criteria may vary from lender to lender.
The State Bank of India (SBI) offers home loans at interest rates ranging from 7.25% p.a. Based on this rate of interest range the Rs. 80 Lakh home loan EMI for 30 years tenure in SBI ranges from Rs. 54,574.
HDFC offers home loan at interest rates between 7.75% to 13.20% per annum. Based on this interest rate range, the Rs. 80 Lakhs home loan EMI for 30 years tenure in HDFC will range from Rs. 57,313
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, government financial policies, mutual funds, etc.).
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