HDFC Bank Home Loan EMI Calculator: Calculate Free

What your loan costs each month, and what the same loan costs at the highest rate.

The short answer

A ₹50 lakh loan over 20 years at 7.75% costs ₹41,047 a month, with ₹48.51 lakh of total interest.
In your very first EMI, ₹32,292 is interest and only ₹8,756 reduces the loan.
Stretching to 30 years saves ₹5,226 a month but costs ₹30.44 lakh more in interest.
Paying ₹5 lakh extra at year five clears the loan 35 months early and saves ₹9.26 lakh. It costs nothing to do.

HDFC Bank home loan EMI, ₹50 lakh over 20 years

Particular	Detail
EMI at 7.75%	₹41,047
Total interest at 7.75%	₹48,51,383 Nearly as much again as the loan
EMI at 9.65%, the comparison-site maximum	₹47,097
EMI at 13.20%, the maximum on the bank’s own card	₹59,293
Interest in the very first EMI	₹32,292 of ₹41,047 78.7% of the payment
Principal cleared after five years	₹6,39,171 of ₹50,00,000 12.8%, after paying ₹24,62,846
Maximum tenure	30 years

From published comparisons · as of 2026-08-26 · Computed from HDFC Bank’s advertised rate, principal and interest only

EMI by rate and tenure, on ₹50 lakh

The three rates are the advertised starting rate, the maximum shown by comparison sites, and the maximum on HDFC Bank’s own rate card. Loan and interest only.

Tenure	EMI at 7.75% / 9.65% / 13.20%
10 years	₹60,005 · ₹65,110 · ₹75,246
15 years	₹47,064 · ₹52,665 · ₹63,922
20 years	₹41,047 · ₹47,097 · ₹59,293
25 years	₹37,766 · ₹44,207 · ₹57,146
30 years	₹35,821 · ₹42,591 · ₹56,093

From published comparisons · as of 2026-08-26 · Computed from the published rates

What a longer tenure actually costs, at 7.75%

A longer loan cuts your EMI but costs far more overall. Most people make this trade without seeing the second column.

Tenure	EMI and total interest
10 years	EMI ₹60,005 · interest ₹22,00,638
15 years	EMI ₹47,064 · interest ₹34,71,482
20 years	EMI ₹41,047 · interest ₹48,51,383
25 years	EMI ₹37,766 · interest ₹63,29,931
30 years	EMI ₹35,821 · interest ₹78,95,420 ₹5,226 a month less than 20 years, and ₹30.4 lakh more in interest

From published comparisons · as of 2026-08-26 · Computed from the advertised rate

What one prepayment does

₹5 lakh paid into a ₹50 lakh loan at 7.75% at the end of year five, keeping the EMI the same. On a floating-rate loan this costs you nothing to do.

Measure	Effect
Balance outstanding at year 5	₹43,60,829
Months left without prepaying	180
Months left after prepaying ₹5 lakh	145
Tenure saved	35 months — just under three years
Net saving	₹9,26,074 EMIs avoided, less the ₹5 lakh paid in

From published comparisons · as of 2026-08-26 · Computed on the outstanding balance after 60 EMIs

Run your own numbers on the EMI calculator.

The early years are almost all interest

On a ₹50 lakh loan at 7.75% over 20 years, the EMI is ₹41,047. In the very first EMI, ₹32,292 is interest and only ₹8,756 goes towards the loan. So 78.7% of your payment does nothing to reduce what you owe.

This changes slowly. After five years you will have paid ₹24,62,846. Your outstanding balance will still be ₹43,60,829. You have cleared ₹6,39,171 — just 12.8% of the loan — after paying in nearly half its value.

This is how all home loans work, not just this bank’s. But it is the most surprising number on this page for most people, and it changes what prepayment is worth.

It also explains why prepaying early does the most good. Every rupee you put in early wipes out all the future interest on that rupee. The same rupee paid in year 18 wipes out almost nothing.

A longer tenure is the expensive choice

Stretching a ₹50 lakh loan from 20 years to 30 drops the EMI from ₹41,047 to ₹35,821. That is ₹5,226 less a month.

It also raises your total interest from ₹48.51 lakh to ₹78.95 lakh. That is ₹30.44 lakh more. This is the trade, and it is rarely shown as one.

The reverse works too, and hardly anyone uses it. Shortening the same loan to 15 years raises the EMI to ₹47,064 — ₹6,017 more a month — and cuts total interest to ₹34.71 lakh. You save ₹13.80 lakh.

If you can afford the higher EMI, that is one of the best financial decisions available to you. It costs nothing but discipline.

Why do lenders push longer tenures? Because the EMI is what gets checked against your income when they approve the loan. A longer tenure makes a bigger loan possible. That helps if it is the only way to buy the house. It is expensive if you took it just because nobody showed you the second column.

Prepaying is free on a floating-rate loan

The RBI does not allow banks or housing finance companies to charge you for prepaying or closing a floating-rate loan taken in your own name. It applies whether you pay from savings, a bonus, or by moving to another lender. HDFC Bank’s own charge sheet confirms it: closing an adjustable-rate loan early costs nil.

Do the sums before choosing between prepaying and investing. Putting ₹5 lakh into this loan at the end of year five removes 35 months of EMIs and saves you ₹9,26,074. That is a guaranteed, tax-free return equal to your loan rate. Most investments struggle to beat that after tax.

One practical point: ask the bank to reduce the tenure, not the EMI. Most lenders cut the EMI by default, which keeps you in the loan for the full term and gives away much of the benefit. The saving above assumes your EMI stays the same.

What these numbers leave out

Every figure here covers only the loan and its interest.

It does not include the processing fee — up to 0.50% of the loan or ₹4,000 for a salaried applicant, plus 18% GST. It does not include stamp duty, registration, the mortgage deed charge, CERSAI charges or legal and valuation fees. On a city property these can run into several lakh, and they are often the biggest cash cost at sanction.

It also leaves out insurance sold with the loan. If a policy is added into your loan amount, you pay interest on the premium for the whole term. It may still be worth buying. Just buy it deliberately, and compare it separately.

And remember the rate itself will change. This is a floating loan that resets at least every three months, so treat every total-interest figure above as what happens if the rate never moves. It will.

How it compares

9th cheapest of the 12 providers we track, 0.60% above Canara Bank, LIC Housing Finance and Union Bank of India at 7.15%, and 0.55% above Bank of Baroda at 7.20%.

All home loan rates, or all HDFC Bank home loan detail.

Where to go next

The EMI is only half the cost of the loan: the HDFC Bank home loan fees and charges sit on top of it, and the HDFC Bank home loan interest rate page explains where in the advertised band you are likely to land. Before you settle on this lender, check the payment against the best home loans we track, and if the rate later looks expensive, a home loan balance transfer is the mechanism for moving it. Whether the EMI is affordable at all is a home loan eligibility question.

Common questions

What is the EMI for a ₹50 lakh HDFC Bank home loan?

₹41,047 a month at 7.75% over 20 years, with total interest of ₹48,51,383. At the 9.65% maximum shown by comparison sites it is ₹47,097. At the 13.20% maximum on HDFC Bank’s own rate card it is ₹59,293. These cover the loan and interest only — the processing fee, stamp duty, registration and valuation are extra.

Should I take a 20-year or a 30-year home loan?

On ₹50 lakh at 7.75%, the 30-year loan saves you ₹5,226 a month but costs ₹30.44 lakh more in interest. If you can afford the shorter EMI, take the shorter tenure. The longer one makes sense when it is the difference between buying and not buying — not when it is simply the default the bank offered.

How much do I save by prepaying my home loan?

Putting ₹5 lakh into a ₹50 lakh loan at 7.75% at the end of year five, and keeping the EMI the same, clears the loan 35 months early and saves ₹9,26,074. On a floating-rate loan in your own name there is no charge for doing this. The RBI does not allow one, and HDFC Bank’s own charge sheet shows nil.

Why is most of my EMI going to interest?

Because interest is charged on what you still owe, which is highest at the start. On a ₹50 lakh loan at 7.75% over 20 years, ₹32,292 of your first ₹41,047 EMI is interest — 78.7%. After five years and ₹24.6 lakh paid, you have cleared only ₹6.39 lakh of the loan. This is why prepaying early is worth far more than prepaying late.

Terms change without notice. Confirm the current figures with HDFC Bank before you act.