Short answer: At LIC HFL’s starting rate of 7.15% (salaried, CIBIL 825+, checked 12 October 2026), the EMI on a ₹50 lakh home loan is about ₹45,362 over 15 years, ₹39,216 over 20 years, ₹35,819 over 25 years and ₹33,770 over 30 years. Each 0.25% change in the rate moves the 20-year EMI by roughly ₹760.
By Vijay Arjun V (B.Pharm, PGDM): authorised LIC HFL DSA since 2002 and DME (Direct Marketing Executive) appointed by LIC HFL. Last reviewed: 12 October 2026.
EMI table: ₹25 lakh to ₹1 crore
Monthly EMI at 7.15% p.a., LIC HFL’s starting rate for salaried borrowers with a CIBIL score of 825+ (checked 12 October 2026) Your actual rate depends on your credit score, loan amount and the lender’s current rates.
| Loan amount | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|
| ₹25 lakh | ₹22,681 | ₹19,608 | ₹17,909 | ₹16,885 |
| ₹30 lakh | ₹27,217 | ₹23,530 | ₹21,491 | ₹20,262 |
| ₹40 lakh | ₹36,289 | ₹31,373 | ₹28,655 | ₹27,016 |
| ₹50 lakh | ₹45,362 | ₹39,216 | ₹35,819 | ₹33,770 |
| ₹75 lakh | ₹68,043 | ₹58,825 | ₹53,728 | ₹50,656 |
| ₹1 crore | ₹90,724 | ₹78,433 | ₹71,638 | ₹67,541 |
EMI per ₹1 lakh at 7.15%: ₹1,169 (10 years), ₹907 (15), ₹784 (20), ₹716 (25), ₹675 (30).
Total interest: the cost of a longer tenure
| Loan amount | Total interest over 20 years | Total interest over 30 years |
|---|---|---|
| ₹25 lakh | ₹22.1 lakh | ₹35.8 lakh |
| ₹50 lakh | ₹44.1 lakh | ₹71.6 lakh |
| ₹75 lakh | ₹66.2 lakh | ₹1.07 crore |
| ₹1 crore | ₹88.2 lakh | ₹1.43 crore |
A 30-year tenure lowers the EMI on ₹50 lakh by about ₹5,400 a month compared with 20 years, but adds about ₹27 lakh of interest. Many borrowers take the longer tenure for eligibility and then prepay: LIC HFL charges no prepayment penalty on floating-rate home loans for individuals.
Income you need for each EMI
Lenders usually allow 50–60% of net monthly income (more for higher incomes) for all EMIs combined. For a 20-year loan at 7.15% with no other EMIs:
| Loan amount | 20-year EMI | Net monthly income needed (approx.) |
|---|---|---|
| ₹25 lakh | ₹19,608 | ₹33,000 – 39,000 |
| ₹30 lakh | ₹23,530 | ₹39,000 – 47,000 |
| ₹40 lakh | ₹31,373 | ₹52,000 – 63,000 |
| ₹50 lakh | ₹39,216 | ₹65,000 – 78,000 |
| ₹75 lakh | ₹58,825 | ₹98,000 – 1.18 lakh |
| ₹1 crore | ₹78,433 | ₹1.31 – 1.57 lakh |
For the reverse question, see how much home loan you can get on your salary.
How the EMI is calculated
EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100) and n is the number of monthly instalments. Early EMIs are mostly interest; the principal share grows over time. Use our EMI calculator for any amount, rate and tenure.
Under-construction homes: pre-EMI or full EMI?
If you buy an under-construction flat, the loan is released in stages. Until the full amount is released, you can either pay only interest on the amount disbursed (pre-EMI) or start full EMIs straight away. Pre-EMI keeps early payments low but does not reduce the principal; full EMI from the start cuts total interest.
What to do next
Check your eligibility and current rate, free →
Self-employed? LIC HFL’s rates for self-employed borrowers start at 7.30% and the maximum term is 20 years, so the 25-year and 30-year columns do not apply. See LIC HFL home loan for self-employed.
Also read: Home loan for a 2 BHK or 3 BHK flat: loan, EMI and salary needed
Frequently asked questions
What is the EMI for a ₹50 lakh home loan for 20 years?
About ₹39,216 a month at 7.15%, or about ₹43,391 at 8.5%.
What is the EMI for a ₹30 lakh home loan?
At 7.15%: about ₹27,217 over 15 years, ₹23,530 over 20 years and ₹20,262 over 30 years.
What is the EMI for a ₹1 crore home loan?
At 7.15%: about ₹78,433 over 20 years and ₹67,541 over 30 years. Loans above ₹75 lakh need at least a 25% down payment.
Is it better to choose a longer tenure?
A longer tenure lowers the EMI and raises eligibility but costs much more interest. Many borrowers choose a long tenure and prepay when they can.
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About the author: Vijay Arjun V is a DME (Direct Marketing Executive) appointed by LIC HFL and runs Elite Financial Services, an authorised DSA of LIC Housing Finance in Kukatpally, Hyderabad. Disclosure: We are a DSA, not the lender. Loan sanction, amount, interest rate and tenure are at LIC Housing Finance’s sole discretion. Figures are illustrative; your actual eligibility depends on your full profile.
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