ROI Impact on EMI

How Interest Rates Impact Your ₹1 Crore Home Loan

A small change in home loan interest rate can make a big difference over time. Let’s understand this with a ₹1 crore loan example and see how EMI varies from 7.50% to 8.25% over 20 years.

EMI Comparison – ₹1 Crore Loan for 20 Years

Interest Rate	EMI (Monthly)	Total Payment	Total Interest
7.50%	₹80,559	₹1.93 Cr	₹93.34 Lakh
7.75%	₹82,440	₹1.98 Cr	₹97.85 Lakh
8.00%	₹84,364	₹2.02 Cr	₹1.02 Cr
8.25%	₹86,330	₹2.07 Cr	₹1.07 Cr

Insight: A 0.75% rise in rate means paying ₹5,771 more per month and ₹13.85 lakh extra over the loan term.

Rates Are Among the Lowest in 5 Years

Year	Avg. Interest Rate
2020	8.10% – 8.60%
2021	7.25% – 7.75%
2022	7.40% – 8.00%
2023	8.25% – 8.50%
2025	7.50% – 8.25%

Why Rates Are Low Now:

• Stable RBI repo rate

• Controlled inflation

• High banking sector liquidity

  
  

Final Thoughts

Current rates offer a golden opportunity to lock in long-term savings. Lower interest = lower EMI + more financial freedom.

Need help securing the best rate?

Contact FinSecure Consultants We assist in finding the best home loan offers from top banks and NBFCs—quick, simple, and transparent.