Home Loan EMI Per Lakh 2026 Reference Table
Instantly look up your monthly EMI per ₹1 lakh loan. Configured for interest rates starting from 7.00% to 12.00% across common tenures.
Complete Home Loan EMI Per Lakh Table
This reference table shows the pre-calculated Equated Monthly Installment (EMI) for a loan amount of ₹1 Lakh (₹1,00,000) across interest rates from 7.00% to 12.00% p.a., and repayment tenures from 5 to 30 years:
| Interest Rate (p.a.) | 5 Years | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years |
|---|---|---|---|---|---|---|
| 7.00% | ₹1,980 | ₹1,161 | ₹898 | ₹775 | ₹707 | ₹665 |
| 7.50% | ₹2,002 | ₹1,187 | ₹927 | ₹806 | ₹739 | ₹699 |
| 8.00% | ₹2,028 | ₹1,213 | ₹956 | ₹836 | ₹772 | ₹734 |
| 8.50% (SBI Standard) | ₹2,052 | ₹1,239 | ₹985 | ₹868 | ₹805 | ₹769 |
| 9.00% | ₹2,076 | ₹1,267 | ₹1,014 | ₹900 | ₹839 | ₹805 |
| 9.50% | ₹2,100 | ₹1,294 | ₹1,044 | ₹932 | ₹873 | ₹841 |
| 10.00% | ₹2,125 | ₹1,322 | ₹1,075 | ₹965 | ₹909 | ₹878 |
| 10.50% | ₹2,149 | ₹1,350 | ₹1,105 | ₹998 | ₹944 | ₹915 |
| 11.00% | ₹2,174 | ₹1,378 | ₹1,137 | ₹1,032 | ₹980 | ₹952 |
| 12.00% | ₹2,224 | ₹1,435 | ₹1,200 | ₹1,101 | ₹1,053 | ₹1,029 |
How to Use This EMI Per Lakh Table
Using the EMI per lakh reference tables eliminates the need for complex algebraic calculations when trying to quickly compare bank deals. Here is the step-by-step process to manually calculate any custom EMI:
- Identify the loan category and rate offered by your bank (e.g. 8.75% for HDFC Bank).
- Choose your desired tenure (e.g. 20 years).
- Note the EMI per lakh value from the intersection of rate and tenure. For 8.75% at 20 years, the value is ₹884.
- Divide your total loan requirement by 1,00,000 to get the count in lakhs. For ₹30 Lakhs, the value is 30.
- Multiply the count by your noted multiplier (30 * ₹884 = ₹26,520). The resulting value is your exact monthly EMI!
EMI Per Lakh for SBI Home Loan (8.50%)
State Bank of India (SBI) standard home loans in 2026 start at 8.50% p.a.. For a standard repayment duration of 20 years, the EMI per lakh corresponds to ₹868. Under this rate, standard loan sizes output the following EMIs:
- ₹10 Lakhs: 10 * ₹868 = ₹8,680 / month
- ₹20 Lakhs: 20 * ₹868 = ₹17,360 / month
- ₹30 Lakhs: 30 * ₹868 = ₹26,040 / month
- ₹50 Lakhs: 50 * ₹868 = ₹43,400 / month
EMI Per Lakh for HDFC Home Loan (8.75%)
HDFC Bank's home loan offerings start slightly higher at 8.75% p.a. for general borrowers. This minor 0.25% variance modifies the EMI per lakh multiplier to ₹884 for a 20-year term.
- ₹10 Lakhs: 10 * ₹884 = ₹8,840 / month
- ₹20 Lakhs: 20 * ₹884 = ₹17,680 / month
- ₹30 Lakhs: 30 * ₹884 = ₹26,520 / month
- ₹50 Lakhs: 50 * ₹884 = ₹44,200 / month
Car Loan EMI Per Lakh Table
Car loans typically feature higher rates and shorter repayment schedules ranging from 1 to 7 years. Below is the car loan EMI per lakh matrix for rates between 8.50% and 14.00%:
| Interest Rate | 3 Years | 5 Years | 7 Years |
|---|---|---|---|
| 8.50% | ₹3,157 | ₹2,052 | ₹1,584 |
| 9.50% | ₹3,203 | ₹2,100 | ₹1,633 |
| 10.50% | ₹3,250 | ₹2,149 | ₹1,684 |
| 12.00% | ₹3,321 | ₹2,224 | ₹1,762 |
| 14.00% | ₹3,418 | ₹2,327 | ₹1,870 |
Personal Loan EMI Per Lakh Table
Personal loans are unsecured credit instruments, demanding higher interest rates (10.00% to 24.00%+) and constrained terms (usually capped at 5 years). The EMI per lakh requirements reflect these terms:
| Interest Rate | 1 Year | 3 Years | 5 Years |
|---|---|---|---|
| 10.00% | ₹8,792 | ₹3,227 | ₹2,125 |
| 12.00% | ₹8,885 | ₹3,321 | ₹2,224 |
| 14.00% | ₹8,979 | ₹3,418 | ₹2,327 |
| 18.00% | ₹9,168 | ₹3,615 | ₹2,539 |
| 22.00% | ₹9,359 | ₹3,819 | ₹2,762 |
प्रति लाख ईएमआई क्या होती है?
प्रति लाख ईएमआई (EMI Per Lakh) एक सरल वित्तीय गणित है। इसके तहत ₹1,00,000 (एक लाख) के मूल लोन पर लगने वाली मासिक किस्त (EMI) निकाली जाती है। यदि आपको अपना लोन अमाउंट और उस पर लगने वाली प्रति लाख ईएमआई पता है, तो आप कुल ईएमआई बहुत ही आसानी से गुणा करके निकाल सकते हैं।
उदाहरण के लिए: यदि 8.5% की दर पर 20 साल के लिए प्रति लाख ईएमआई ₹868 है, और आपका कुल लोन ₹30 लाख है, तो आपकी कुल मासिक किस्त 30 * ₹868 = ₹26,040 होगी। इससे आप बिना किसी जटिल टूल के भी अपनी मासिक किश्तों का अंदाजा लगा सकते हैं।
How to Use the EMI Per Lakh Factor
EMI per lakh is a financial metric representing the monthly installment required to repay a loan of ₹1,00,000. It serves as a helpful multiplier, enabling you to estimate your total EMI for any loan size quickly without complex calculators.
Practical Example
Suppose the current EMI per lakh factor for an 8.5% interest rate home loan over 20 years is ₹868. If you plan to borrow:
- For a ₹30 Lakh Loan: EMI = 30 x ₹868 = ₹26,040/month
- For a ₹50 Lakh Loan: EMI = 50 x ₹868 = ₹43,400/month
This multiplier method is highly useful for comparing quotes from different lenders. A lower interest rate or longer tenure will reduce the EMI per lakh factor, though longer tenures increase the total interest paid.