Find your loan's sweet spot.
See how EMI and total interest change across 10, 15, 20, 25 and 30-year tenures - and where the best balance lives.
AI suggestion
10 years gives the best affordability-to-interest balance.
EMI of ₹61,993 with ₹24.39 L total interest - the sweet spot between monthly outflow and lifetime cost.
| Tenure | Monthly EMI | Total interest | Total payment | Interest ratio |
|---|---|---|---|---|
| 10 yrsBest | ₹61,993 | ₹24.39 L | ₹74.39 L | 49% |
| 15 yrs | ₹49,237 | ₹38.63 L | ₹88.63 L | 77% |
| 20 yrs | ₹43,391 | ₹54.14 L | ₹1.04 Cr | 108% |
| 25 yrs | ₹40,261 | ₹70.78 L | ₹1.21 Cr | 142% |
| 30 yrs | ₹38,446 | ₹88.40 L | ₹1.38 Cr | 177% |
Lowest EMI
30-year tenure has the lowest monthly EMI at ₹38,446.
Lowest interest
10-year tenure pays the least interest: ₹24.39 L.
Why shorter usually wins
Cutting tenure from 30 to 20 years on a typical home loan can save 40–50% of total interest - at the cost of a higher monthly EMI. If you can afford the higher EMI without strain, shorter is almost always the better long-term call.
A longer tenure means a smaller EMI - but you pay interest for many more years, so the lifetime cost balloons. A shorter tenure means a chunkier EMI but dramatically less total interest.
Rule of thumb: keep your EMI below 40% of monthly take-home. Pick the shortest tenure that respects that cap, and you'll often save lakhs over the life of the loan.