₹50 Lakh Home Loan EMI Calculator — FY 2026-27
Compute your monthly EMI on a ₹50 lakh home loan across rates and tenures. Typical property value: ₹60-65 L (80% LTV for this range per RBI). Mid-to-senior metro professional home-loan sweet spot — use the amortization view to see how prepayment changes the total interest curve.
Loan inputs
- Monthly EMI
- ₹43,391
- Principal
- ₹50.00 L
- Total Interest
- ₹54.14 L
- Total Payment
- ₹1.04 Cr
Principal vs Interest
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Year 1 | ₹5,20,694 | ₹99,511 | ₹4,21,182 | ₹49,00,489 |
| Year 2 | ₹5,20,694 | ₹1,08,307 | ₹4,12,387 | ₹47,92,181 |
| Year 3 | ₹5,20,694 | ₹1,17,881 | ₹4,02,813 | ₹46,74,300 |
| Year 4 | ₹5,20,694 | ₹1,28,300 | ₹3,92,394 | ₹45,46,000 |
| Year 5 | ₹5,20,694 | ₹1,39,641 | ₹3,81,053 | ₹44,06,359 |
| Year 6 | ₹5,20,694 | ₹1,51,984 | ₹3,68,710 | ₹42,54,375 |
| Year 7 | ₹5,20,694 | ₹1,65,418 | ₹3,55,276 | ₹40,88,957 |
| Year 8 | ₹5,20,694 | ₹1,80,039 | ₹3,40,655 | ₹39,08,918 |
| Year 9 | ₹5,20,694 | ₹1,95,953 | ₹3,24,741 | ₹37,12,965 |
| Year 10 | ₹5,20,694 | ₹2,13,274 | ₹3,07,420 | ₹34,99,691 |
| Year 11 | ₹5,20,694 | ₹2,32,125 | ₹2,88,569 | ₹32,67,566 |
| Year 12 | ₹5,20,694 | ₹2,52,643 | ₹2,68,051 | ₹30,14,923 |
| Year 13 | ₹5,20,694 | ₹2,74,974 | ₹2,45,720 | ₹27,39,949 |
| Year 14 | ₹5,20,694 | ₹2,99,279 | ₹2,21,415 | ₹24,40,670 |
| Year 15 | ₹5,20,694 | ₹3,25,733 | ₹1,94,961 | ₹21,14,937 |
| Year 16 | ₹5,20,694 | ₹3,54,525 | ₹1,66,169 | ₹17,60,412 |
| Year 17 | ₹5,20,694 | ₹3,85,862 | ₹1,34,832 | ₹13,74,550 |
| Year 18 | ₹5,20,694 | ₹4,19,968 | ₹1,00,726 | ₹9,54,582 |
| Year 19 | ₹5,20,694 | ₹4,57,090 | ₹63,604 | ₹4,97,492 |
| Year 20 | ₹5,20,694 | ₹4,97,492 | ₹23,202 | ₹-0 |
₹50 Lakh Home Loan EMI — FAQ
What is the EMI on a ₹50 lakh home loan?
At 8.5% for 20 years, EMI ≈ ₹43,391/month. At 9%, ₹44,986. Each 0.25% rate adds ~₹790. At 25-year tenure same rate, EMI drops to ₹40,261 but total interest climbs from ₹54.14 L → ₹70.78 L — a 31% jump for 5 extra years.
What is the minimum salary for a ₹50 lakh home loan?
With EMI ≈ ₹43K/month and a typical FOIR cap of 50%, you need net monthly income of ₹86K+ (approximately ₹13-15 L gross annual CTC). Add ₹10-20K net income for every other EMI obligation you carry (car loan, personal loan, credit card).
Can I get a ₹50 lakh home loan at 90% LTV?
No. RBI caps LTV at 80% for loans between ₹30-75 L (your ₹50 L loan falls here). So property value must be at least ₹62.5 L; you need ₹12.5 L + stamp duty + registration as own-funds. The 90% LTV only applies up to ₹30 L loan size.
What home loan tax benefits apply on ₹50 lakh?
Old regime only: Section 24(b) interest deduction up to ₹2 L/year for self-occupied, unlimited for let-out; Section 80C principal repayment within ₹1.5 L combined cap. Joint loans double both caps (each co-borrower claims separately). New regime forfeits these for self-occupied property.