Every 0.25% has a price: EMI at nine interest rates

Monthly EMI on a home loan at different interest rates. Pick a loan size and tenure; hover or click a bar.

THEREALTYNOMICS EDITORS · UPDATED 30 OCT 2026
4 MIN READ

₹43,391

EMI at 8.50%

+₹794

If the rate rises 0.25%

₹54.1 L

Total interest

Rate	Monthly EMI	Change vs previous	Total interest
7.50%	₹40,280	—	₹46.7 L
7.75%	₹41,047	+₹768	₹48.5 L
8.00%	₹41,822	+₹775	₹50.4 L
8.25%	₹42,603	+₹781	₹52.2 L
8.50%	₹43,391	+₹788	₹54.1 L
8.75%	₹44,186	+₹794	₹56.0 L
9.00%	₹44,986	+₹801	₹58.0 L
9.25%	₹45,793	+₹807	₹59.9 L
9.50%	₹46,607	+₹813	₹61.9 L

On ₹50 lakh over 20 years, each quarter-point adds ₹768–₹813 a month. From 7.50% to 9.50%, the EMI rises about 16%, from ₹40,280 to ₹46,607.

Standard reducing-balance EMI, monthly compounding. Excludes processing fees, insurance and prepayments. The y-axis starts at zero.

Calculation: TheRealtyNomics

Educational, not financial advice. Rates and rules change; check the source before acting.