EMI per lakh chart: monthly EMI on a ₹1,00,000 loan
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At 9% a year over 5 years, the EMI is ₹2,075.84 for every ₹1,00,000 borrowed. For a ₹10 lakh loan, multiply the figure by 10 to get ₹20,758.36 a month. Read your rate and tenure in the table below.
How to read these tables
- Pick your interest rate (per year, reducing balance) in the left column and the tenure in years across the top.
- Read the EMI for ₹1,00,000.
- Multiply by the number of lakhs you are borrowing. For ₹25 lakh at 8.5% over 20 years: 25 × ₹867.82 = ₹21,695.58.
- Total repayment is the EMI × number of months. The difference from the loan is the interest.
EMI per ₹1,00,000 borrowed (reducing balance, monthly instalments)
| Interest rate (per year) | 1 yr | 2 yr | 3 yr | 5 yr | 7 yr | 10 yr | 15 yr | 20 yr | 30 yr |
|---|---|---|---|---|---|---|---|---|---|
| 6% | ₹8,606.64 | ₹4,432.06 | ₹3,042.19 | ₹1,933.28 | ₹1,460.86 | ₹1,110.21 | ₹843.86 | ₹716.43 | ₹599.55 |
| 7% | ₹8,652.67 | ₹4,477.26 | ₹3,087.71 | ₹1,980.12 | ₹1,509.27 | ₹1,161.08 | ₹898.83 | ₹775.30 | ₹665.30 |
| 8% | ₹8,698.84 | ₹4,522.73 | ₹3,133.64 | ₹2,027.64 | ₹1,558.62 | ₹1,213.28 | ₹955.65 | ₹836.44 | ₹733.76 |
| 8.5% | ₹8,721.98 | ₹4,545.57 | ₹3,156.75 | ₹2,051.65 | ₹1,583.65 | ₹1,239.86 | ₹984.74 | ₹867.82 | ₹768.91 |
| 9% | ₹8,745.15 | ₹4,568.47 | ₹3,179.97 | ₹2,075.84 | ₹1,608.91 | ₹1,266.76 | ₹1,014.27 | ₹899.73 | ₹804.62 |
| 10% | ₹8,791.59 | ₹4,614.49 | ₹3,226.72 | ₹2,124.70 | ₹1,660.12 | ₹1,321.51 | ₹1,074.61 | ₹965.02 | ₹877.57 |
| 11% | ₹8,838.17 | ₹4,660.78 | ₹3,273.87 | ₹2,174.24 | ₹1,712.24 | ₹1,377.50 | ₹1,136.60 | ₹1,032.19 | ₹952.32 |
| 12% | ₹8,884.88 | ₹4,707.35 | ₹3,321.43 | ₹2,224.44 | ₹1,765.27 | ₹1,434.71 | ₹1,200.17 | ₹1,101.09 | ₹1,028.61 |
| 14% | ₹8,978.71 | ₹4,801.29 | ₹3,417.76 | ₹2,326.83 | ₹1,874.00 | ₹1,552.66 | ₹1,331.74 | ₹1,243.52 | ₹1,184.87 |
| 16% | ₹9,073.09 | ₹4,896.31 | ₹3,515.70 | ₹2,431.81 | ₹1,986.21 | ₹1,675.13 | ₹1,468.70 | ₹1,391.26 | ₹1,344.76 |
| 18% | ₹9,168.00 | ₹4,992.41 | ₹3,615.24 | ₹2,539.34 | ₹2,101.78 | ₹1,801.85 | ₹1,610.42 | ₹1,543.31 | ₹1,507.09 |
Method and assumptions
Formula. EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where P = 1,00,000, r is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of months. Multiply the table value by the loan amount in lakhs.
Assumptions. Reducing-balance interest, instalments paid at the end of each month, no processing fee, insurance or prepayment. Banks may round the EMI to the nearest rupee.
Every figure on this page is generated by the same functions that power our calculators, and our automated tests compare a sample of cells with published reference values. You may quote or reuse the tables if you link back to this page.
Frequently asked questions
How do I calculate EMI from an EMI per lakh chart?
Find the EMI for ₹1,00,000 at your rate and tenure, then multiply by the number of lakhs you are borrowing. For ₹7.5 lakh, multiply by 7.5.
Why does a longer tenure lower the EMI?
Spreading the repayment over more months makes each instalment smaller, but interest is charged for longer. At 9%, ₹1,00,000 over 5 years has an EMI of ₹2,075.84 and costs ₹24,550 in interest; over 10 years the EMI is ₹1,266.76 and the interest is ₹52,011.
Work out your own numbers
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