₹28 Lakh Home Loan EMI With Calculator And Interest Rates 2025
25 Lakh Home Loan EMI With Calculator And Interest Rates
Buying a home becomes easier when you clearly understand your loan repayment plan. If you are planning a ₹25 lakh home loan, knowing the EMI in advance helps you manage your budget better. For example, the 25 lakh home loan EMI for 20 years SBI at an interest rate of around 8.5% can be quickly calculated using an EMI calculator.
This tool allows you to check monthly repayments, total interest payable, and how different tenures affect your EMI. A shorter tenure means higher EMIs but lower interest outgo, while a longer tenure reduces the EMI but increases the overall interest.
By comparing options with the help of SBI’s home loan calculator, you can decide the most suitable repayment plan. Understanding processing fees, interest rates, and tenure flexibility ensures you choose a loan that fits your financial comfort. With the right planning, a ₹25 lakh home loan can be managed smoothly without straining your monthly budget.
25 Lakh Home Loan EMI With Calculator Details
When planning a home loan, it’s important to understand how your EMI is calculated. For example, if you take a ₹25 lakh home loan EMI SBI with a tenure of 20 years, your monthly instalment will depend on three main factors: the interest rate, the loan tenure, and the role of compound interest. Compound interest means that interest is charged not only on the original loan amount but also on the accumulated interest from previous periods. This is why even a small change in the interest rate or loan duration can significantly impact your monthly EMI and the total repayment amount.
By knowing how these elements work together, you can better plan your finances and choose a loan structure that suits your budget.
- Loan Amount: ₹25 lakh
- Interest Rate: 8.4% (Compound Interest)
| Loan Amount | Tenure | Monthly EMI |
| ₹25 Lakh | 5 Years | ₹51,171 |
| ₹25 Lakh | 10 Years | ₹30,863 |
| ₹25 Lakh | 15 Years | ₹24,472 |
| ₹25 Lakh | 20 Years | ₹21,538 |
| ₹25 Lakh | 25 Years | ₹19,962 |
| ₹25 Lakh | 30 Years | ₹19,024 |
How to 25 Lakh Home Loan EMI With Calculator?
To calculate a 25 lakh loan EMI Calculator SBI, use this formula:
EMI = [P x R x (1+R)^N] / [(1+R)^N-1]
Where:
- P = Loan amount
- R = Interest rate per month
- N = Loan tenure in months
Example:
Suppose you have taken a home loan of Rs. 25 lakh at an annual interest rate of 8.4% for a tenure of 20 years.
Calculate the monthly interest rate (R):
Monthly Interest Rate = Annual Interest Rate / 12
R = 8.40% / 12 =0.007
Calculate the loan tenure in months (N):
Loan Tenure in Months = Loan Tenure in Years x 12
N = 20 years x 12 = 240 months
Plug the values into the EMI formula:
EMI = [25,00,000 x 0.007 x (1+0.007)^240] / [(1+0.007)^240-1]
Calculate the EMI using a calculator or spreadsheet:
EMI = [25,00,000 x 0.007 x 5.33424468143] / 4.33424468143
EMI = 21537.6123838 (approx.)
So, the Equated Monthly Installment (EMI) for a home loan of Rs. 25 lakh, with an annual interest rate of 8.40% and a tenure of 20 years, would be approximately Rs. 21537.61. This amount is payable every month for the entire loan tenure until the loan is fully repaid.
25 Lakh Home Loan EMI With Calculator
Taking a bigger loan is a big step, and planning your EMIs wisely makes all the difference. The ₹25 lakh home loan EMI calculator is a simple tool that helps you estimate your monthly payments with ease. All you need to do is enter the loan amount, choose a repayment tenure, and adjust the interest rate to see the EMI that best fits your budget.
This calculator gives you a clear picture of how a higher loan amount impacts your monthly finances, helping you balance income and expenses. Whether you’re buying a spacious home or upgrading your lifestyle, tools like the NoBroker EMI Calculator make the process effortless, stress-free, and transparent.
₹25 Lakhs Home Loan Eligibility & Documents Required
To get approval for a SBI Home loan 25 lakh EMI, you’ll need to meet certain eligibility criteria and provide the required documents. Here’s an overview:
| Criteria | Salaried Applicants | Self-Employed Applicants |
| Age | 18 – 60 years | 18 – 65 years |
| Minimum Income | ₹20,000/month for metro cities (Delhi, Mumbai, Bangalore, Pune, Chennai)
₹15,000/month for other cities |
₹20,000/month for metro cities (Delhi, Mumbai, Bangalore, Pune, Chennai)
₹15,000/month for other cities |
| Work Experience / Continuity | Minimum 2 years of total work experience
At least 6 months with current employer |
Minimum 3 years of stable business or professional practice |
If you meet the eligibility criteria, the next step is submitting the required documents to get your loan approved. For example, if you are applying for a ₹25 lakh loan and want to know the SBI home loan EMI per lakh for 25 years, you’ll still need to provide the following paperwork, regardless of the bank:
- Identity Proof – Aadhaar Card, PAN Card, Passport, Driving License, or Voter ID
- Address Proof – Aadhaar Card, Passport, Driving License, or Voter ID
- Age Proof – PAN Card, Passport, Aadhaar Card, Voter ID, or Driving License
- Signature Proof – PAN Card or Passport
- Income Proof – Salary slips, bank statements, or income tax returns, depending on employment type
Submitting these documents ensures smooth processing and faster approval of your home loan application.
What is the 25 Lakh Home Loan EMI With Calculator for 5 years?
For a 5-year loan with a principal amount of ₹25,00,000 and an interest rate of 8.4%, the EMI can be calculated as follows:
EMI = {P x R x (1+R)^N} / {(1+R)^N – 1}
Here:
P (Principal Amount) = ₹25,00,000
R (Monthly Interest Rate) = 8.4% divided by 12 months, or approximately 0.0070 when converted to a decimal
N (Total Number of Monthly Instalments) = 5 years, or 60 months
Plugging in these values:
EMI = ₹ {25,00,000 x 0.0070 x (1 + 0.0070)^60} / {(1 + 0.0070)^60 – 1}
The EMI for a ₹25 lakh home loan with a 5-year tenure at an 8.4% annual interest rate would be approximately ₹51,171.
| Tenure | 5 Year |
| Budget | ₹25 Lakh |
| Rate of Interest | 8.4% |
| Total Interest Amount | ₹570,255 |
| Total Repayment Amount | ₹3,070,255 |
25 Lakh Home Loan EMI With Calculator for 10 years SBI
If you opt for a 10-year repayment period, here’s how the EMI calculation would look:
EMI = ₹ {25,00,000 x 0.0070 x (1 + 0.0070)^120} / {(1 + 0.0070)^120 – 1}
For a ₹25 lakh home loan with a 10-year tenure, your monthly EMI would be approximately ₹30,863.
| Tenure | 10 Years |
| Budget | ₹25 Lakh |
| Rate of Interest | 8.4% |
| Total Interest Amount | ₹1,203,545 |
| Total Repayment Amount | ₹3,703,545 |
25 Lakh Home Loan EMI With Calculator for 15 Years
Considering a 15-year loan term? Here’s the calculation:
EMI = ₹ {25,00,000 x 0.0070 x (1 + 0.0070)^180} / {(1 + 0.0070)^180 – 1}
With a 15-year tenure, your monthly EMI for a ₹25 lakh home loan would be around ₹24,472.
| Tenure | 15 Years |
| Budget | ₹25 Lakh |
| Rate of Interest | 8.4% |
| Total Interest Amount | ₹1,904,990 |
| Total Repayment Amount | ₹4,404,990 |
25 Lakh Home Loan EMI With Calculator for 20 Years
For a more extended repayment period of 20 years:
EMI = ₹ {25,00,000 x 0.0070 x (1 + 0.0070)^240} / {(1 + 0.0070)^240 – 1}
Your monthly EMI for a ₹25 lakh home loan with a 20-year tenure would be approximately ₹21,538.
| Tenure | 20 Years |
| Budget | ₹25 Lakh |
| Rate of Interest | 8.4% |
| Total Interest Amount | ₹2,669,027 |
| Total Repayment Amount | ₹5,169,027 |
25 Lakh Home Loan EMI With Calculator for 25 Years
Opting for a 25-year tenure would result in the following calculations:
EMI = ₹ {25,00,000 x 0.0070 x (1 + 0.0070)^300} / {(1 + 0.0070)^300 – 1}
For a ₹25 lakh home loan with a 25-year repayment period, your monthly EMI would be around ₹19,962.
| Tenure | 25 Years |
| Budget | ₹25 Lakh |
| Rate of Interest | 8.4% |
| Total Interest Amount | ₹3,488,745 |
| Total Repayment Amount | ₹5,988,745 |
25 Lakh Home Loan EMI With Calculator for 30 Years
Here’s the EMI calculation for a ₹25 lakh home loan at an 8.4% annual interest rate for a 30-year tenure:
EMI=25,00,000×00.0070×(1+00.0070)360/(1+00.0070)360-1
For a ₹25 lakh home loan EMI for 30 years, at an 8.4% interest rate, the EMI will be approximately ₹20,279.43 per month.
| Tenure | 30 years |
| Loan Amount | ₹25 Lakh |
| Rate of Interest | 8.4% |
| EMI | ₹19,046 |
| Total Interest Amount | 43,56,539 |
25 Lakhs Home Loan Amortisation
A ₹25 lakh home loan amortisation breaks down the monthly repayment into principal and interest components over the loan tenure. This helps borrowers plan their finances effectively by understanding how each EMI reduces the loan balance.
Here’s an amortisation table for the first year, assuming an 8.4% interest rate and 30-year tenure:
| Year | Opening Balance | EMI | Interest paid yearly | Principal paid yearly | Closing Balance |
| 1 | 25,00,000 | 2,28,551 | 2,09,269 | 19,282 | 24,80,718 |
| 2 | 24,80,718 | 2,28,551 | 2,07,585 | 20,966 | 24,59,752 |
| 3 | 24,59,752 | 2,28,551 | 2,05,755 | 22,797 | 24,36,955 |
| 4 | 24,36,955 | 2,28,551 | 2,03,764 | 24,787 | 24,12,168 |
| 5 | 24,12,168 | 2,28,551 | 2,01,600 | 26,951 | 23,85,217 |
| 6 | 23,85,217 | 2,28,551 | 1,99,247 | 29,304 | 23,55,913 |
| 7 | 23,55,913 | 2,28,551 | 1,96,688 | 31,863 | 23,24,050 |
| 8 | 23,24,050 | 2,28,551 | 1,93,907 | 34,645 | 22,89,405 |
| 9 | 22,89,405 | 2,28,551 | 1,90,882 | 37,670 | 22,51,735 |
| 10 | 22,51,735 | 2,28,551 | 1,87,593 | 40,959 | 22,10,777 |
| 11 | 22,10,777 | 2,28,551 | 1,84,017 | 44,535 | 21,66,242 |
| 12 | 21,66,242 | 2,28,551 | 1,80,128 | 48,423 | 21,17,819 |
| 13 | 21,17,819 | 2,28,551 | 1,75,900 | 52,651 | 20,65,168 |
| 14 | 20,65,168 | 2,28,551 | 1,71,303 | 57,248 | 20,07,920 |
| 15 | 20,07,920 | 2,28,551 | 1,66,305 | 62,246 | 19,45,674 |
| 16 | 19,45,674 | 2,28,551 | 1,60,870 | 67,681 | 18,77,993 |
| 17 | 18,77,993 | 2,28,551 | 1,54,961 | 73,590 | 18,04,403 |
| 18 | 18,04,403 | 2,28,551 | 1,48,536 | 80,016 | 17,24,387 |
| 19 | 17,24,387 | 2,28,551 | 1,41,550 | 87,002 | 16,37,385 |
| 20 | 16,37,385 | 2,28,551 | 1,33,953 | 94,598 | 15,42,787 |
| 21 | 15,42,787 | 2,28,551 | 1,25,694 | 1,02,857 | 14,39,930 |
| 22 | 14,39,930 | 2,28,551 | 1,16,713 | 1,11,838 | 13,28,092 |
| 23 | 13,28,092 | 2,28,551 | 1,06,949 | 1,21,603 | 12,06,490 |
| 24 | 12,06,490 | 2,28,551 | 96,332 | 1,32,220 | 10,74,270 |
| 25 | 10,74,270 | 2,28,551 | 84,787 | 1,43,764 | 9,30,506 |
| 26 | 9,30,506 | 2,28,551 | 72,235 | 1,56,316 | 7,74,190 |
| 27 | 7,74,190 | 2,28,551 | 58,587 | 1,69,964 | 6,04,226 |
| 28 | 6,04,226 | 2,28,551 | 43,748 | 1,84,804 | 4,19,422 |
| 29 | 4,19,422 | 2,28,551 | 27,612 | 2,00,939 | 2,18,483 |
| 30 | 2,18,483 | 2,28,551 | 10,068 | 2,18,483 | 0 |
Comparison of Interest Rate & Processing Fee for ₹25 Lakh Home Loans
Evaluating home loan options can be complex, especially when comparing interest rates and EMIs across different banks. This section breaks down the intricacies of 25 lakh home loans, providing a comprehensive overview of how various financial institutions structure their lending products. Discover the key factors that can impact your home financing journey.
| Bank | Interest Rate | Processing Fee |
| State Bank of India (SBI) | Starting at 8.50% | The processing fee for an SBI home loan is 0.35% of the loan amount plus applicable GST, with a minimum of ₹2000 and a maximum of ₹10000, both plus applicable GST. |
| HDFC Bank | Starting from 8.75*% | HDFC Bank charges a processing fee of up to 2% of the loan amount, plus applicable taxes |
| ICICI Bank | Starting from 8.75*% | 2% of the loan amount |
| Axis Bank | Starting from 8.75*% | 1% of the loan amount |
| Canara Bank | Starting at 8.40 % | 0.50%, with a minimum of ₹1500 and a maximum of ₹10000 |
| Bank of Baroda | Starting at 8.40 % | 0.50% of the loan amount for loans up to ₹50 lakh, with a minimum fee of ₹8,500 and a maximum of ₹15000. For loans above ₹50 lakh, the fee is 0.25% of the loan amount, with a minimum of ₹8,500 and a maximum of ₹25000 |
| Kotak Mahindra Bank | Starting from 8.75*% | 0.5% processing fees for salaried individuals and 1% for self-employed applicants |
| IDFC First Bank | Starting from 8.85 % | The processing fee for an IDFC First Bank home loan is up to 3% of the loan amount |
Interest Rates and EMI on ₹25 Lakh Home Loan Across Different Banks
Interest rates and EMIs significantly influence the affordability of a home loan. For an EMI for 25 lakh Home loan SBI, banks offer varied plans based on tenure and eligibility. This section provides a detailed comparison of interest rates and EMI options across banks, ensuring you make an informed decision for your financial journey.
| Bank | Rate of interest | EMI for 5 Years | EMI for 10 Years | EMI for 15 Years | EMI for 20 Years | EMI for 25 Years | EMI for 30 Years |
| State Bank of India (SBI) | Starting at 8.50% | ₹ 51,291 | ₹30,996 | ₹ 24,618 | ₹ 21,696 | ₹ 20,131 | ₹ 19,223 |
| HDFC Bank | Starting from 8.75*% | ₹ 51,593 | ₹ 31,332 | ₹ 24,986 | ₹ 22,093 | ₹ 20,554 | ₹ 19,668 |
| ICICI Bank | Starting from 8.75% | ₹ 51,593 | ₹ 31,332 | ₹ 24,986 | ₹ 22,093 | ₹ 20,554 | ₹ 19,668 |
| Axis Bank | Starting from 8.75% | ₹ 51,593 | ₹ 31,332 | ₹ 24,986 | ₹ 22,093 | ₹ 20,554 | ₹ 19,668 |
| Canara Bank | Starting at 8.40 % | ₹ 51,171 | ₹ 30,863 | ₹ 24,472 | ₹ 21,538 | ₹ 19,962 | ₹19,046 |
| Bank of Baroda | Starting from 8.40% | ₹ 51,171 | ₹ 30,863 | ₹ 24,472 | ₹ 21,538 | ₹ 19,962 | ₹ 19,046 |
| Kotak Mahindra Bank | Starting from 8.75% | ₹ 51,593 | ₹ 31,332 | ₹ 24,986 | ₹ 22,093 | ₹ 20,554 | ₹ 19,668 |
| IDFC First Bank | 8.85 % | ₹ 51,714 | ₹31,466 | ₹ 25,134 | ₹ 22,253 | ₹ 20,724 | ₹ 19,846 |
Things to Keep in Mind While Applying for 25 Lakh Home Loan EMI With Calculator
Securing a SBI Home loan 25 lakh EMI is a pivotal step toward your dream home. However, certain factors demand attention to ensure a smooth borrowing experience.
1. Credit Score:
A high credit score is instrumental for loan approval. It demonstrates your financial reliability to lenders. Regularly review your credit report to ensure there are no discrepancies and maintain a score above 750 for better interest rates and terms.
2. Eligibility:
Lenders have specific eligibility criteria, such as age, income, and employment type. Familiarize yourself with these requirements to enhance your chances of approval. It’s advisable to use online eligibility checkers before applying.
3. Ability to Repay:
Before borrowing, evaluate your current financial obligations and future projections. Lenders assess your debt-to-income ratio, which is the percentage of your income that goes towards debt repayments. A lower ratio is more favourable.
4. EMI:
EMI, or Equated Monthly Installment, is what you’ll repay monthly. Use EMI calculators to understand the monthly outgo and ascertain if it aligns with your budget. Adjust the loan tenure or amount accordingly.
5. Overall Cost Calculations:
Beyond the principal amount, loans carry additional charges like processing fees, insurance, and interest. Ensure you calculate the total cost of the loan, considering all these aspects, for comprehensive financial planning.
Dos and Don’ts
| Do’s | Don’ts |
| Regularly monitor your credit score. | Avoid making multiple loan applications. |
| Read the loan agreement thoroughly. | Don’t overlook any hidden charges. |
| Ensure a steady income flow during the loan tenure. | Avoid taking on excessive debt. |
| Factor in other financial commitments. | Don’t delay or default on existing EMIs. |
| Seek advice if uncertain about terms. | Never provide false information on documents. |
Embarking on the journey of homeownership with a ₹25 lakh home loan EMI becomes simpler and more transparent with the right tools and guidance. Ensure you’re equipped with the best resources and insights for this significant step. For a seamless experience, trust NoBroker Home Loan Services. Let’s make your dream home a reality today!
How NoBroker Helps
NoBroker makes managing a ₹25 lakh home loan easier by providing a simple EMI calculator, verified property listings, and guidance on interest rates, processing fees, and loan eligibility. It connects buyers directly with property owners, eliminating brokerage fees and helping you make informed, transparent financial decisions.
Conclusion
Understanding your EMI, interest rates, and repayment options is key to stress-free homeownership. With proper planning and tools like NoBroker’s EMI calculator, you can confidently manage your ₹25 lakh home loan, stay within budget, and make your dream of owning a home a reality.
