₹50 Lakh Home Loan EMI With Calculator And Interest Rates for 2025

Most homebuyers must obtain a 50 Lakh home loan to purchase a property. Anyone considering taking up a ₹50 Lakh house loan must comprehend the Equated Monthly Installment (EMI) to manage their money effectively. At an interest rate of 8.45%, the approximate monthly instalment required for a home loan of Rs 50 lakh is Rs 1,02,462. This article will explain how the EMI is calculated for a home loan of rs 50 lakh, considering parameters like tenure interest rate, to help you choose the best alternative for your financial situation.

₹50 Lakh Home Loan EMI Details

When dealing with a ₹50 lakh home loan, your monthly ₹50 lakh house loan EMIs are influenced by factors like the interest rate, loan tenure, and the concept of compound interest. Compound interest is calculated on both the initial loan amount and the accumulated interest from previous periods. This results in interest on interest.

The following table illustrates the monthly Equated Monthly Installment (EMI) amounts for a ₹50 lakh home loan at a fixed interest rate of 8.45% across different loan tenures, ranging from 5 to 30 years.

TENURE	EMI AMOUNT(INR)
5 Years	₹102,462
10 Years	₹61,859
15 Years	₹49,091
20 Years	₹43,233
25 Years	₹40,093
30 Years	₹38,269

How to Calculate ₹50 Lakh Home Loan EMI?

What will be the EMI for ₹50 lakh home loan? Calculating the EMI for your ₹50 lakh home loan is crucial in planning your finances. You can easily compute it using the {Budget} home loan EMI formula:

EMI = [P x R x (1+R)^N] / [(1+R)^N-1]

Where:

EMI = Equated Monthly Installment

P = Principal Loan Amount (50,00,000 INR in your case)

R = Monthly Interest Rate (Annual Interest Rate divided by 12 and converted to a decimal)

N = Loan Tenure in Months (Loan Tenure in Years multiplied by 12)

With this formula, you can determine the monthly EMI you need to pay for your ₹50 lakh home loan, making it easier to plan your budget effectively.

₹50 Lakh Home Loan EMI Calculator

Use an EMI calculator to gain insights into your monthly repayments for a 50 lakh home loan. Various online platforms, including NoBroker Home Loan Services, offer user-friendly EMI calculators designed for this purpose.

Here's how you can use an EMI calculator:

• Loan Amount: Input ₹50 lakhs, the principal amount you plan to borrow.
• Interest Rate: Specify the applicable interest rate. For our example, consider an 8.45% compound interest rate.
• Loan Tenure: Define the loan duration, ranging from 5 to 30 years based on your preference.

The EMI calculator provides two vital pieces of information:

• Monthly Repayments (EMI): This is the ₹50 lakh home loan EMI, the amount you'll pay monthly to repay the loan gradually.
• Total Interest: The calculator indicates the cumulative interest paid over the loan tenure.

The EMI calculator simplifies your calculations and empowers you to make well-informed decisions about your ₹50 lakh home loan. It helps you assess affordability across different tenures and interest rates.

Eligibility Criteria for a ₹50 Lakh Home Loan

Meeting specific eligibility criteria is required to secure a ₹50 lakh home loan. To ensure responsible repayment, lenders consider age, income, credit score, and employment stability.

1. Age: 21 to 65 years (younger applicants preferred for longer tenures).
2. Income: Minimum ₹50,000 per month (may vary by lender).
3. Employment Stability: At least 2-3 years in current job or business.
4. Credit Score: Minimum 700 (higher scores get better rates).
5. Loan Amount and Property Value: Up to 80-90% of the property value.
6. Existing Liabilities: Total monthly liabilities should be below 50% of income.
7. Property Location and Type: Urban, high-demand areas and residential properties preferred.
8. Co-Applicants: Co-applicant's income can help improve loan eligibility.
9. Documentation: Proof of identity, income, employment, property documents, and credit history.

Lenders take a comprehensive view of your age, income, credit score, and employment history to assess your eligibility for a ₹50 lakh home loan. Meeting these criteria not only enhances your chances of loan approval but also signifies your capacity to manage and repay the loan over the designated tenure responsibly.

Documents Required for a ₹50 Lakh Home Loan

Accurate and complete documentation is crucial for a smooth home loan application process. Here's a list of common documents required:

• Proof of Identity: Valid government-issued identification like a passport, Aadhaar card, PAN card, or driver's license.
• Proof of Address: Documents verifying your residential address, such as utility bills or rental agreements.
• Proof of Income: Documents showcasing income capacity, including salary slips, income tax returns, and Form 16.
• Employment Proof: Verification of employment history, such as offer or employment letters.
• Bank Statements: Recent bank statements illustrating financial transactions and income.
• Property Documents: If identifying a property, provide relevant documents like sale agreements and title deeds.
• Photographs: Passport-sized photographs for official purposes.
• Loan Application Form: Lender-provided application form, duly filled and signed.
• Investment Proof (if applicable): Documents related to investments for additional financial stability.

Specific document requirements might vary by lender and employment nature.

₹50 Lakh Home Loan EMI for 5 Years

Are you considering a ₹50 lakh home loan with a 5-year repayment period at an 8.45% annual interest rate? How much EMI for ₹50 lakh loan? To calculate your monthly EMI manually, you can use the formula:

EMI = {P x R x (1+R)^N} / {(1+R)^N – 1}

For a 5-year term:

• EMI = ₹ {50,00,000 x 0.00704 x (1 + 0.00704)^60} / {(1 + 0.00704)^60 - 1}
• EMI ≈ ₹102,462

With a ₹50 lakh loan amount, your monthly EMI would be approximately ₹102,462 over 5 years, resulting in a total repayment of ₹6,147,732, including ₹1,147,732 in interest.

Tenure	5 Years
Loan Amount	₹50 Lakh
Rate of Interest (p.a.)	8.45%
EMI	₹102,462
Total Interest	₹1,147,732
Total Repayment	₹6,147,732

₹50 Lakh Home Loan EMI for 10 Years

Planning a ₹50 lakh home loan with a 10-year tenure at an 8.45% annual interest rate? Calculate your EMI manually:

EMI = {P x R x (1+R)^N} / {(1+R)^N – 1}

For a 10-year term:

• EMI = ₹ {50,00,000 x 0.00704 x (1 + 0.00704)^120} / {(1 + 0.00704)^120 - 1}
• EMI ≈ ₹61,859

A ₹50 lakh loan over 10 years translates to a monthly EMI of ₹61,859, resulting in a total repayment of ₹7,423,106, including ₹2,423,106 in interest.

Tenure	10 Years
Loan Amount	₹50 Lakh
Rate of Interest (p.a.)	8.45%
EMI	₹61,859
Total Interest	₹2,423,106
Total Repayment	₹7,423,106

₹50 Lakh Home Loan EMI for 15 Years

Considering a ₹50 lakh home loan with a 15-year repayment period and an 8.45% annual interest rate? Calculate your EMI manually:

EMI = {P x R x (1+R)^N} / {(1+R)^N – 1}

For a 15-year term:

• EMI = ₹ {50,00,000 x 0.00704 x (1 + 0.00704)^180} / {(1 + 0.00704)^180 - 1}
• EMI ≈ ₹49,091

With this loan, your monthly EMI for 15 years would be ₹49,091, resulting in a total repayment of ₹8,836,298, which includes ₹3,836,298 in interest.

Tenure	15 Years
Loan Amount	₹50 Lakh
Rate of Interest (p.a.)	8.45%
EMI	₹49,091
Total Interest	₹3,836,298
Total Repayment	₹8,836,298

EMI for 50 Lakh Home Loan for 20 Years

Are you thinking of a ₹50 lakh home loan with a 20-year tenure at an 8.45% annual interest rate? Calculate your EMI manually:

EMI = {P x R x (1+R)^N} / {(1+R)^N – 1}

For a 20-year term:

EMI = ₹ {50,00,000 x 0.00704 x (1 + 0.00704)^240} / {(1 + 0.00704)^240 - 1}

EMI ≈ ₹43,233

Your monthly EMI for 20 years would amount to ₹43,233, resulting in a total repayment of ₹10,375,935, including ₹5,375,935 in interest.

Tenure	20 Years
Loan Amount	₹50 Lakh
Rate of Interest (p.a.)	8.45
EMI	₹43,233
Total Interest	₹5,375,935
Total Repayment	₹10,375,935

₹50 Lakh Home Loan EMI for 25 Years

Planning a ₹50 lakh home loan with a 25-year repayment period at an 8.45% annual interest rate? Calculate your EMI manually:

EMI = {P x R x (1+R)^N} / {(1+R)^N – 1}

For a 25-year term:

EMI = ₹ {50,00,000 x 0.00704 x (1 + 0.00704)^300} / {(1 + 0.00704)^300 - 1}

EMI ≈ ₹40,093

Your monthly EMI for 25 years would be ₹40,093, resulting in a total repayment of ₹12,027,906, which includes ₹7,027,906 in interest.

Tenure	25 Years
Loan Amount	₹50 Lakh
Rate of Interest (p.a.)	8.45%
EMI	₹40,093
Total Interest	₹7,027,906
Total Repayment	₹12,027,906

EMI for ₹50 Lakh Home Loan for 30 Years

Are you thinking of a ₹50 lakh home loan with a 30-year tenure at an 8.45% annual interest rate? Calculate your EMI manually:

EMI = {P x R x (1+R)^N} / {(1+R)^N – 1}

For a 30-year term:

EMI = ₹ {50,00,000 x 0.00704 x (1 + 0.00704)^360} / {(1 + 0.00704)^360 - 1}

EMI ≈ ₹38,269

With this loan, your monthly EMI for 30 years would be ₹38,269, resulting in a total repayment of ₹13,776,710, including ₹8,776,710 in interest.

Tenure	30 Years
Loan Amount	₹50 Lakh
Rate of Interest (p.a.)	8.45
EMI	₹38,269
Total Interest	₹8,776,710
Total Repayment	₹13,776,710

Comparison of Interest Rate & Processing Fee for ₹50 Lakh Home Loans

For home loan applications, the bank levies a small processing fee of up to 1% of the loan amount, subject to a minimum amount set by the bank. Processing fees in India typically amount to 0.5% of the loan amount plus GST, but lenders may have different percentages. With a minimum of Rs 1,000 and a maximum of Rs 3,750, the loan has an initial interest rate of 8.45% annually and a processing charge equal to 0.15% of the loan amount. 

Bank	Interest Rate	Processing Fee
State Bank of India (SBI)	Starting at 8.50%	The processing fee for an SBI home loan is 0.35% of the loan amount plus applicable GST, with a minimum of ₹2000 and a maximum of ₹10000 both plus applicable GST.
HDFC Bank	Starting from 8.75*%	HDFC Bank charges a processing fee of up to 2% of the loan amount plus applicable taxes
ICICI Bank	Starting from 8.75*%	2% of the loan amount
Axis Bank	Starting from 8.75*%	1% of the loan amount
Canara Bank	Starting at 8.40 %	0.50%, with a minimum of ₹1500 and a maximum of ₹10000
Bank of Baroda	Starting at 8.40 %	0.50% of the loan amount for loans up to ₹50 lakh, with a minimum fee of ₹8,500 and a maximum of ₹15000. For loans above ₹50 lakh, the fee is 0.25% of the loan amount, with a minimum of ₹8,500 and a maximum of ₹25000
Kotak Mahindra Bank	Starting from 8.75*%	0.5% processing fees for salaried individuals and 1% for self-employed applicants
IDFC First Bank	Starting from 8.85 %	The processing fee for an IDFC First Bank home loan is up to 3% of the loan amount

Interest Rates and EMI on ₹50 Lakh Home Loan Across Different Banks

Depending on the bank and the loan length, interest rates and EMIs for a home loan of ₹50 lakh can vary. Using interest rates and loan terms, a house loan EMI calculator assists you in determining the amount of EMIs due on your loan. You may check your EMI amount online by using a loan EMI calculator. Let's examine the home loan interest rate for 50 lakh for various loan terms.

Key Details:

• Loan Amount: ₹50 Lakh
• Interest Rates: Based on current offers from various banks
• Loan Tenures: 5, 10, 15, 20, 25 and 30 years

Bank	Rate of interest	EMI for 5 Years	EMI for 10 Years	EMI for 15 Years	EMI for 20 Years	EMI for 25 Years	EMI for 30 Years
State Bank of India (SBI)	Starting at 8.50%	₹ 1,02,583	₹ 61,993	₹ 49,237	₹ 43,391	₹ 40,261	₹38,446
HDFC Bank	Starting from 8.75*%	₹ 1,03,186	₹ 62,663	₹ 49,972	₹ 44,186	₹ 41,107	₹ 39,335
ICICI Bank	Starting from 8.75*%	₹ 1,03,186	₹ 62,663	₹ 49,972	₹ 44,186	₹ 41,107	₹ 39,335
Axis Bank	Starting from 8.75*%	₹ 1,03,186	₹ 62,663	₹ 49,972	₹ 44,186	₹ 41,107	₹ 39,335
Canara Bank	Starting at 8.40 %	₹ 1,02,342	₹ 61,726	₹48,944	₹ 43,075	₹ 39,925	₹ 38,092
Bank of Baroda	Starting at 8.40 %	₹ 1,02,342	₹ 61,726	₹48,944	₹ 43,075	₹ 39,925	₹38,092
Kotak Mahindra Bank	Starting from 8.75*%	₹ 1,03,186	₹ 62,663	₹ 49,972	₹ 44,186	₹ 41,107	₹ 39,335
IDFC First Bank	Starting from 8.85 %	₹ 1,03,428	₹ 62,933	₹ 50,268	₹ 44,505	₹ 41,447	₹ 39,693

50 Lakhs Home Loan Amortization Table of 30 Years

An amortization schedule for a home loan is a table that shows the specifics of the principal, interest, and payback amount. This amortization calculator shows an amortized loan schedule, graph, and pie chart breakdown in addition to returning monthly payment amounts.

Months	EMI	Principal Payment	Interest Payment	Outstanding Principal
1	₹38,268.64	₹3,060.30	₹35,208.33	₹4,996,940.00
2	₹38,268.64	₹3,081.85	₹35,186.78	₹4,993,858.00
3	₹38,268.64	₹3,103.56	₹35,165.08	₹4,990,754.00
4	₹38,268.64	₹3,125.41	₹35,143.23	₹4,987,629.00
5	₹38,268.64	₹3,147.42	₹35,121.22	₹4,984,481.00
6	₹38,268.64	₹3,169.58	₹35,099.06	₹4,981,312.00
7	₹38,268.64	₹3,191.90	₹35,076.74	₹4,978,120.00
8	₹38,268.64	₹3,214.38	₹35,054.26	₹4,974,906.00
9	₹38,268.64	₹3,237.01	₹35,031.63	₹4,971,669.00
10	₹38,268.64	₹3,259.81	₹35,008.83	₹4,968,409.00
11	₹38,268.64	₹3,282.76	₹34,985.88	₹4,965,126.00
12	₹38,268.64	₹3,305.88	₹34,962.76	₹4,961,820.00
13	₹38,268.64	₹3,329.15	₹34,939.48	₹4,958,491.00
14	₹38,268.64	₹3,352.60	₹34,916.04	₹4,955,138.00
15	₹38,268.64	₹3,376.21	₹34,892.43	₹4,951,762.00
16	₹38,268.64	₹3,399.98	₹34,868.66	₹4,948,362.00
17	₹38,268.64	₹3,423.92	₹34,844.72	₹4,944,938.00
18	₹38,268.64	₹3,448.03	₹34,820.61	₹4,941,490.00
19	₹38,268.64	₹3,472.31	₹34,796.33	₹4,938,018.00
20	₹38,268.64	₹3,496.76	₹34,771.88	₹4,934,521.00
21	₹38,268.64	₹3,521.38	₹34,747.25	₹4,931,000.00
22	₹38,268.64	₹3,546.18	₹34,722.46	₹4,927,454.00
23	₹38,268.64	₹3,571.15	₹34,697.49	₹4,923,882.00
24	₹38,268.64	₹3,596.30	₹34,672.34	₹4,920,286.00
25	₹38,268.64	₹3,621.62	₹34,647.02	₹4,916,665.00
26	₹38,268.64	₹3,647.13	₹34,621.51	₹4,913,017.00
27	₹38,268.64	₹3,672.81	₹34,595.83	₹4,909,345.00
28	₹38,268.64	₹3,698.67	₹34,569.97	₹4,905,646.00
29	₹38,268.64	₹3,724.71	₹34,543.92	₹4,901,921.00
30	₹38,268.64	₹3,750.94	₹34,517.70	₹4,898,170.00
31	₹38,268.64	₹3,777.36	₹34,491.28	₹4,894,393.00
32	₹38,268.64	₹3,803.95	₹34,464.68	₹4,890,589.00
33	₹38,268.64	₹3,830.74	₹34,437.90	₹4,886,758.00
34	₹38,268.64	₹3,857.72	₹34,410.92	₹4,882,901.00
35	₹38,268.64	₹3,884.88	₹34,383.76	₹4,879,016.00
36	₹38,268.64	₹3,912.24	₹34,356.40	₹4,875,103.00
37	₹38,268.64	₹3,939.78	₹34,328.85	₹4,871,164.00
38	₹38,268.64	₹3,967.53	₹34,301.11	₹4,867,196.00
39	₹38,268.64	₹3,995.47	₹34,273.17	₹4,863,201.00
40	₹38,268.64	₹4,023.60	₹34,245.04	₹4,859,177.00
41	₹38,268.64	₹4,051.93	₹34,216.71	₹4,855,125.00
42	₹38,268.64	₹4,080.47	₹34,188.17	₹4,851,045.00
43	₹38,268.64	₹4,109.20	₹34,159.44	₹4,846,935.00
44	₹38,268.64	₹4,138.13	₹34,130.50	₹4,842,797.00
45	₹38,268.64	₹4,167.27	₹34,101.36	₹4,838,630.00
46	₹38,268.64	₹4,196.62	₹34,072.02	₹4,834,433.00
47	₹38,268.64	₹4,226.17	₹34,042.47	₹4,830,207.00
48	₹38,268.64	₹4,255.93	₹34,012.71	₹4,825,951.00
49	₹38,268.64	₹4,285.90	₹33,982.74	₹4,821,665.00
50	₹38,268.64	₹4,316.08	₹33,952.56	₹4,817,349.00
51	₹38,268.64	₹4,346.47	₹33,922.17	₹4,813,003.00
52	₹38,268.64	₹4,377.08	₹33,891.56	₹4,808,626.00
53	₹38,268.64	₹4,407.90	₹33,860.74	₹4,804,218.00
54	₹38,268.64	₹4,438.94	₹33,829.70	₹4,799,779.00
55	₹38,268.64	₹4,470.19	₹33,798.44	₹4,795,309.00
56	₹38,268.64	₹4,501.67	₹33,766.97	₹4,790,807.00
57	₹38,268.64	₹4,533.37	₹33,735.27	₹4,786,274.00
58	₹38,268.64	₹4,565.29	₹33,703.34	₹4,781,708.00
59	₹38,268.64	₹4,597.44	₹33,671.20	₹4,777,111.00
60	₹38,268.64	₹4,629.81	₹33,638.82	₹4,772,481.00
61	₹38,268.64	₹4,662.42	₹33,606.22	₹4,767,819.00
62	₹38,268.64	₹4,695.25	₹33,573.39	₹4,763,124.00
63	₹38,268.64	₹4,728.31	₹33,540.33	₹4,758,395.00
64	₹38,268.64	₹4,761.61	₹33,507.03	₹4,753,634.00
65	₹38,268.64	₹4,795.13	₹33,473.50	₹4,748,838.00
66	₹38,268.64	₹4,828.90	₹33,439.74	₹4,744,010.00
67	₹38,268.64	₹4,862.90	₹33,405.73	₹4,739,147.00
68	₹38,268.64	₹4,897.15	₹33,371.49	₹4,734,250.00
69	₹38,268.64	₹4,931.63	₹33,337.01	₹4,729,318.00
70	₹38,268.64	₹4,966.36	₹33,302.28	₹4,724,352.00
71	₹38,268.64	₹5,001.33	₹33,267.31	₹4,719,350.00
72	₹38,268.64	₹5,036.55	₹33,232.09	₹4,714,314.00
73	₹38,268.64	₹5,072.01	₹33,196.63	₹4,709,242.00
74	₹38,268.64	₹5,107.73	₹33,160.91	₹4,704,134.00
75	₹38,268.64	₹5,143.69	₹33,124.94	₹4,698,990.00
76	₹38,268.64	₹5,179.92	₹33,088.72	₹4,693,810.00
77	₹38,268.64	₹5,216.39	₹33,052.25	₹4,688,594.00
78	₹38,268.64	₹5,253.12	₹33,015.52	₹4,683,341.00
79	₹38,268.64	₹5,290.11	₹32,978.52	₹4,678,051.00
80	₹38,268.64	₹5,327.36	₹32,941.27	₹4,672,723.00
81	₹38,268.64	₹5,364.88	₹32,903.76	₹4,667,358.00
82	₹38,268.64	₹5,402.66	₹32,865.98	₹4,661,956.00
83	₹38,268.64	₹5,440.70	₹32,827.94	₹4,656,515.00
84	₹38,268.64	₹5,479.01	₹32,789.63	₹4,651,036.00
85	₹38,268.64	₹5,517.59	₹32,751.05	₹4,645,519.00
86	₹38,268.64	₹5,556.45	₹32,712.19	₹4,639,962.00
87	₹38,268.64	₹5,595.57	₹32,673.07	₹4,634,366.00
88	₹38,268.64	₹5,634.97	₹32,633.66	₹4,628,732.00
89	₹38,268.64	₹5,674.65	₹32,593.98	₹4,623,057.00
90	₹38,268.64	₹5,714.61	₹32,554.03	₹4,617,342.00
91	₹38,268.64	₹5,754.85	₹32,513.78	₹4,611,587.00
92	₹38,268.64	₹5,795.38	₹32,473.26	₹4,605,792.00
93	₹38,268.64	₹5,836.19	₹32,432.45	₹4,599,956.00
94	₹38,268.64	₹5,877.28	₹32,391.36	₹4,594,079.00
95	₹38,268.64	₹5,918.67	₹32,349.97	₹4,588,160.00
96	₹38,268.64	₹5,960.35	₹32,308.29	₹4,582,200.00
97	₹38,268.64	₹6,002.32	₹32,266.32	₹4,576,197.00
98	₹38,268.64	₹6,044.58	₹32,224.06	₹4,570,153.00
99	₹38,268.64	₹6,087.15	₹32,181.49	₹4,564,065.00
100	₹38,268.64	₹6,130.01	₹32,138.63	₹4,557,935.00
101	₹38,268.64	₹6,173.18	₹32,095.46	₹4,551,762.00
102	₹38,268.64	₹6,216.65	₹32,051.99	₹4,545,546.00
103	₹38,268.64	₹6,260.42	₹32,008.22	₹4,539,285.00
104	₹38,268.64	₹6,304.50	₹31,964.13	₹4,532,981.00
105	₹38,268.64	₹6,348.90	₹31,919.74	₹4,526,632.00
106	₹38,268.64	₹6,393.61	₹31,875.03	₹4,520,238.00
107	₹38,268.64	₹6,438.63	₹31,830.01	₹4,513,800.00
108	₹38,268.64	₹6,483.97	₹31,784.67	₹4,507,316.00
109	₹38,268.64	₹6,529.62	₹31,739.01	₹4,500,786.00
110	₹38,268.64	₹6,575.60	₹31,693.03	₹4,494,210.00
111	₹38,268.64	₹6,621.91	₹31,646.73	₹4,487,589.00
112	₹38,268.64	₹6,668.54	₹31,600.10	₹4,480,920.00
113	₹38,268.64	₹6,715.49	₹31,553.14	₹4,474,204.00
114	₹38,268.64	₹6,762.78	₹31,505.86	₹4,467,442.00
115	₹38,268.64	₹6,810.40	₹31,458.24	₹4,460,631.00
116	₹38,268.64	₹6,858.36	₹31,410.28	₹4,453,773.00
117	₹38,268.64	₹6,906.65	₹31,361.98	₹4,446,866.00
118	₹38,268.64	₹6,955.29	₹31,313.35	₹4,439,911.00
119	₹38,268.64	₹7,004.26	₹31,264.37	₹4,432,907.00
120	₹38,268.64	₹7,053.59	₹31,215.05	₹4,425,853.00
121	₹38,268.64	₹7,103.26	₹31,165.38	₹4,418,750.00
122	₹38,268.64	₹7,153.27	₹31,115.36	₹4,411,597.00
123	₹38,268.64	₹7,203.65	₹31,064.99	₹4,404,393.00
124	₹38,268.64	₹7,254.37	₹31,014.27	₹4,397,139.00
125	₹38,268.64	₹7,305.45	₹30,963.18	₹4,389,833.00
126	₹38,268.64	₹7,356.90	₹30,911.74	₹4,382,476.00
127	₹38,268.64	₹7,408.70	₹30,859.94	₹4,375,068.00
128	₹38,268.64	₹7,460.87	₹30,807.77	₹4,367,607.00
129	₹38,268.64	₹7,513.41	₹30,755.23	₹4,360,093.00
130	₹38,268.64	₹7,566.31	₹30,702.32	₹4,352,527.00
131	₹38,268.64	₹7,619.59	₹30,649.04	₹4,344,907.00
132	₹38,268.64	₹7,673.25	₹30,595.39	₹4,337,234.00
133	₹38,268.64	₹7,727.28	₹30,541.36	₹4,329,507.00
134	₹38,268.64	₹7,781.69	₹30,486.94	₹4,321,725.00
135	₹38,268.64	₹7,836.49	₹30,432.15	₹4,313,889.00
136	₹38,268.64	₹7,891.67	₹30,376.97	₹4,305,997.00
137	₹38,268.64	₹7,947.24	₹30,321.40	₹4,298,050.00
138	₹38,268.64	₹8,003.20	₹30,265.43	₹4,290,047.00
139	₹38,268.64	₹8,059.56	₹30,209.08	₹4,281,987.00
140	₹38,268.64	₹8,116.31	₹30,152.33	₹4,273,871.00
141	₹38,268.64	₹8,173.47	₹30,095.17	₹4,265,697.00
142	₹38,268.64	₹8,231.02	₹30,037.62	₹4,257,466.00
143	₹38,268.64	₹8,288.98	₹29,979.66	₹4,249,177.00
144	₹38,268.64	₹8,347.35	₹29,921.29	₹4,240,830.00
145	₹38,268.64	₹8,406.13	₹29,862.51	₹4,232,424.00
146	₹38,268.64	₹8,465.32	₹29,803.32	₹4,223,958.00
147	₹38,268.64	₹8,524.93	₹29,743.71	₹4,215,433.00
148	₹38,268.64	₹8,584.96	₹29,683.68	₹4,206,849.00
149	₹38,268.64	₹8,645.41	₹29,623.23	₹4,198,203.00
150	₹38,268.64	₹8,706.29	₹29,562.35	₹4,189,497.00
151	₹38,268.64	₹8,767.60	₹29,501.04	₹4,180,729.00
152	₹38,268.64	₹8,829.34	₹29,439.30	₹4,171,900.00
153	₹38,268.64	₹8,891.51	₹29,377.13	₹4,163,008.00
154	₹38,268.64	₹8,954.12	₹29,314.52	₹4,154,054.00
155	₹38,268.64	₹9,017.17	₹29,251.47	₹4,145,037.00
156	₹38,268.64	₹9,080.67	₹29,187.97	₹4,135,956.00
157	₹38,268.64	₹9,144.61	₹29,124.03	₹4,126,812.00
158	₹38,268.64	₹9,209.00	₹29,059.63	₹4,117,603.00
159	₹38,268.64	₹9,273.85	₹28,994.79	₹4,108,329.00
160	₹38,268.64	₹9,339.16	₹28,929.48	₹4,098,990.00
161	₹38,268.64	₹9,404.92	₹28,863.72	₹4,089,585.00
162	₹38,268.64	₹9,471.14	₹28,797.49	₹4,080,114.00
163	₹38,268.64	₹9,537.84	₹28,730.80	₹4,070,576.00
164	₹38,268.64	₹9,605.00	₹28,663.64	₹4,060,971.00
165	₹38,268.64	₹9,672.63	₹28,596.00	₹4,051,298.00
166	₹38,268.64	₹9,740.75	₹28,527.89	₹4,041,558.00
167	₹38,268.64	₹9,809.34	₹28,459.30	₹4,031,748.00
168	₹38,268.64	₹9,878.41	₹28,390.23	₹4,021,870.00
169	₹38,268.64	₹9,947.97	₹28,320.67	₹4,011,922.00
170	₹38,268.64	₹10,018.02	₹28,250.62	₹4,001,904.00
171	₹38,268.64	₹10,088.57	₹28,180.07	₹3,991,815.00
172	₹38,268.64	₹10,159.61	₹28,109.03	₹3,981,656.00
173	₹38,268.64	₹10,231.15	₹28,037.49	₹3,971,424.00
174	₹38,268.64	₹10,303.19	₹27,965.45	₹3,961,121.00
175	₹38,268.64	₹10,375.74	₹27,892.90	₹3,950,746.00
176	₹38,268.64	₹10,448.80	₹27,819.83	₹3,940,297.00
177	₹38,268.64	₹10,522.38	₹27,746.26	₹3,929,774.00
178	₹38,268.64	₹10,596.48	₹27,672.16	₹3,919,178.00
179	₹38,268.64	₹10,671.09	₹27,597.54	₹3,908,507.00
180	₹38,268.64	₹10,746.24	₹27,522.40	₹3,897,761.00
181	₹38,268.64	₹10,821.91	₹27,446.73	₹3,886,939.00
182	₹38,268.64	₹10,898.11	₹27,370.53	₹3,876,041.00
183	₹38,268.64	₹10,974.85	₹27,293.79	₹3,865,066.00
184	₹38,268.64	₹11,052.13	₹27,216.50	₹3,854,014.00
185	₹38,268.64	₹11,129.96	₹27,138.68	₹3,842,884.00
186	₹38,268.64	₹11,208.33	₹27,060.31	₹3,831,675.00
187	₹38,268.64	₹11,287.26	₹26,981.38	₹3,820,388.00
188	₹38,268.64	₹11,366.74	₹26,901.90	₹3,809,021.00
189	₹38,268.64	₹11,446.78	₹26,821.86	₹3,797,574.00
190	₹38,268.64	₹11,527.38	₹26,741.25	₹3,786,047.00
191	₹38,268.64	₹11,608.56	₹26,660.08	₹3,774,439.00
192	₹38,268.64	₹11,690.30	₹26,578.34	₹3,762,748.00
193	₹38,268.64	₹11,772.62	₹26,496.02	₹3,750,976.00
194	₹38,268.64	₹11,855.52	₹26,413.12	₹3,739,120.00
195	₹38,268.64	₹11,939.00	₹26,329.64	₹3,727,181.00
196	₹38,268.64	₹12,023.07	₹26,245.57	₹3,715,158.00
197	₹38,268.64	₹12,107.73	₹26,160.90	₹3,703,050.00
198	₹38,268.64	₹12,192.99	₹26,075.65	₹3,690,857.00
199	₹38,268.64	₹12,278.85	₹25,989.79	₹3,678,578.00
200	₹38,268.64	₹12,365.31	₹25,903.32	₹3,666,213.00
201	₹38,268.64	₹12,452.39	₹25,816.25	₹3,653,761.00
202	₹38,268.64	₹12,540.07	₹25,728.57	₹3,641,221.00
203	₹38,268.64	₹12,628.38	₹25,640.26	₹3,628,592.00
204	₹38,268.64	₹12,717.30	₹25,551.34	₹3,615,875.00
205	₹38,268.64	₹12,806.85	₹25,461.79	₹3,603,068.00
206	₹38,268.64	₹12,897.03	₹25,371.60	₹3,590,171.00
207	₹38,268.64	₹12,987.85	₹25,280.79	₹3,577,183.00
208	₹38,268.64	₹13,079.31	₹25,189.33	₹3,564,104.00
209	₹38,268.64	₹13,171.41	₹25,097.23	₹3,550,933.00
210	₹38,268.64	₹13,264.15	₹25,004.48	₹3,537,668.00
211	₹38,268.64	₹13,357.56	₹24,911.08	₹3,524,311.00
212	₹38,268.64	₹13,451.62	₹24,817.02	₹3,510,859.00
213	₹38,268.64	₹13,546.34	₹24,722.30	₹3,497,313.00
214	₹38,268.64	₹13,641.73	₹24,626.91	₹3,483,671.00
215	₹38,268.64	₹13,737.79	₹24,530.85	₹3,469,933.00
216	₹38,268.64	₹13,834.52	₹24,434.11	₹3,456,099.00
217	₹38,268.64	₹13,931.94	₹24,336.70	₹3,442,167.00
218	₹38,268.64	₹14,030.05	₹24,238.59	₹3,428,137.00
219	₹38,268.64	₹14,128.84	₹24,139.80	₹3,414,008.00
220	₹38,268.64	₹14,228.33	₹24,040.31	₹3,399,780.00
221	₹38,268.64	₹14,328.52	₹23,940.12	₹3,385,451.00
222	₹38,268.64	₹14,429.42	₹23,839.22	₹3,371,022.00
223	₹38,268.64	₹14,531.03	₹23,737.61	₹3,356,491.00
224	₹38,268.64	₹14,633.35	₹23,635.29	₹3,341,857.00
225	₹38,268.64	₹14,736.39	₹23,532.25	₹3,327,121.00
226	₹38,268.64	₹14,840.16	₹23,428.48	₹3,312,281.00
227	₹38,268.64	₹14,944.66	₹23,323.98	₹3,297,336.00
228	₹38,268.64	₹15,049.90	₹23,218.74	₹3,282,286.00
229	₹38,268.64	₹15,155.87	₹23,112.77	₹3,267,130.00
230	₹38,268.64	₹15,262.59	₹23,006.04	₹3,251,868.00
231	₹38,268.64	₹15,370.07	₹22,898.57	₹3,236,498.00
232	₹38,268.64	₹15,478.30	₹22,790.34	₹3,221,019.00
233	₹38,268.64	₹15,587.29	₹22,681.35	₹3,205,432.00
234	₹38,268.64	₹15,697.05	₹22,571.58	₹3,189,735.00
235	₹38,268.64	₹15,807.59	₹22,461.05	₹3,173,928.00
236	₹38,268.64	₹15,918.90	₹22,349.74	₹3,158,009.00
237	₹38,268.64	₹16,030.99	₹22,237.64	₹3,141,978.00
238	₹38,268.64	₹16,143.88	₹22,124.76	₹3,125,834.00
239	₹38,268.64	₹16,257.56	₹22,011.08	₹3,109,576.00
240	₹38,268.64	₹16,372.04	₹21,896.60	₹3,093,204.00
241	₹38,268.64	₹16,487.33	₹21,781.31	₹3,076,717.00
242	₹38,268.64	₹16,603.42	₹21,665.21	₹3,060,113.00
243	₹38,268.64	₹16,720.34	₹21,548.30	₹3,043,393.00
244	₹38,268.64	₹16,838.08	₹21,430.56	₹3,026,555.00
245	₹38,268.64	₹16,956.65	₹21,311.99	₹3,009,598.00
246	₹38,268.64	₹17,076.05	₹21,192.59	₹2,992,522.00
247	₹38,268.64	₹17,196.29	₹21,072.34	₹2,975,326.00
248	₹38,268.64	₹17,317.38	₹20,951.25	₹2,958,009.00
249	₹38,268.64	₹17,439.33	₹20,829.31	₹2,940,569.00
250	₹38,268.64	₹17,562.13	₹20,706.51	₹2,923,007.00
251	₹38,268.64	₹17,685.80	₹20,582.84	₹2,905,321.00
252	₹38,268.64	₹17,810.33	₹20,458.30	₹2,887,511.00
253	₹38,268.64	₹17,935.75	₹20,332.89	₹2,869,575.00
254	₹38,268.64	₹18,062.05	₹20,206.59	₹2,851,513.00
255	₹38,268.64	₹18,189.23	₹20,079.41	₹2,833,324.00
256	₹38,268.64	₹18,317.31	₹19,951.32	₹2,815,007.00
257	₹38,268.64	₹18,446.30	₹19,822.34	₹2,796,560.00
258	₹38,268.64	₹18,576.19	₹19,692.45	₹2,777,984.00
259	₹38,268.64	₹18,707.00	₹19,561.64	₹2,759,277.00
260	₹38,268.64	₹18,838.73	₹19,429.91	₹2,740,438.00
261	₹38,268.64	₹18,971.38	₹19,297.25	₹2,721,467.00
262	₹38,268.64	₹19,104.97	₹19,163.66	₹2,702,362.00
263	₹38,268.64	₹19,239.50	₹19,029.13	₹2,683,123.00
264	₹38,268.64	₹19,374.98	₹18,893.65	₹2,663,748.00
265	₹38,268.64	₹19,511.41	₹18,757.22	₹2,644,236.00
266	₹38,268.64	₹19,648.81	₹18,619.83	₹2,624,587.00
267	₹38,268.64	₹19,787.17	₹18,481.47	₹2,604,800.00
268	₹38,268.64	₹19,926.50	₹18,342.13	₹2,584,874.00
269	₹38,268.64	₹20,066.82	₹18,201.82	₹2,564,807.00
270	₹38,268.64	₹20,208.12	₹18,060.52	₹2,544,599.00
271	₹38,268.64	₹20,350.42	₹17,918.22	₹2,524,248.00
272	₹38,268.64	₹20,493.72	₹17,774.92	₹2,503,755.00
273	₹38,268.64	₹20,638.03	₹17,630.61	₹2,483,117.00
274	₹38,268.64	₹20,783.36	₹17,485.28	₹2,462,333.00
275	₹38,268.64	₹20,929.71	₹17,338.93	₹2,441,404.00
276	₹38,268.64	₹21,077.09	₹17,191.55	₹2,420,326.00
277	₹38,268.64	₹21,225.51	₹17,043.13	₹2,399,101.00
278	₹38,268.64	₹21,374.97	₹16,893.67	₹2,377,726.00
279	₹38,268.64	₹21,525.48	₹16,743.15	₹2,356,200.00
280	₹38,268.64	₹21,677.06	₹16,591.58	₹2,334,523.00
281	₹38,268.64	₹21,829.70	₹16,438.94	₹2,312,694.00
282	₹38,268.64	₹21,983.42	₹16,285.22	₹2,290,710.00
283	₹38,268.64	₹22,138.22	₹16,130.42	₹2,268,572.00
284	₹38,268.64	₹22,294.11	₹15,974.53	₹2,246,278.00
285	₹38,268.64	₹22,451.10	₹15,817.54	₹2,223,827.00
286	₹38,268.64	₹22,609.19	₹15,659.45	₹2,201,218.00
287	₹38,268.64	₹22,768.40	₹15,500.24	₹2,178,449.00
288	₹38,268.64	₹22,928.72	₹15,339.91	₹2,155,521.00
289	₹38,268.64	₹23,090.18	₹15,178.46	₹2,132,430.00
290	₹38,268.64	₹23,252.77	₹15,015.86	₹2,109,178.00
291	₹38,268.64	₹23,416.51	₹14,852.13	₹2,085,761.00
292	₹38,268.64	₹23,581.40	₹14,687.23	₹2,062,180.00
293	₹38,268.64	₹23,747.46	₹14,521.18	₹2,038,432.00
294	₹38,268.64	₹23,914.68	₹14,353.96	₹2,014,518.00
295	₹38,268.64	₹24,083.08	₹14,185.56	₹1,990,435.00
296	₹38,268.64	₹24,252.66	₹14,015.98	₹1,966,182.00
297	₹38,268.64	₹24,423.44	₹13,845.20	₹1,941,758.00
298	₹38,268.64	₹24,595.42	₹13,673.22	₹1,917,163.00
299	₹38,268.64	₹24,768.61	₹13,500.02	₹1,892,394.00
300	₹38,268.64	₹24,943.03	₹13,325.61	₹1,867,451.00
301	₹38,268.64	₹25,118.67	₹13,149.97	₹1,842,333.00
302	₹38,268.64	₹25,295.55	₹12,973.09	₹1,817,037.00
303	₹38,268.64	₹25,473.67	₹12,794.97	₹1,791,563.00
304	₹38,268.64	₹25,653.04	₹12,615.59	₹1,765,910.00
305	₹38,268.64	₹25,833.69	₹12,434.95	₹1,740,077.00
306	₹38,268.64	₹26,015.60	₹12,253.04	₹1,714,061.00
307	₹38,268.64	₹26,198.79	₹12,069.85	₹1,687,862.00
308	₹38,268.64	₹26,383.27	₹11,885.36	₹1,661,479.00
309	₹38,268.64	₹26,569.06	₹11,699.58	₹1,634,910.00
310	₹38,268.64	₹26,756.15	₹11,512.49	₹1,608,154.00
311	₹38,268.64	₹26,944.55	₹11,324.08	₹1,581,209.00
312	₹38,268.64	₹27,134.29	₹11,134.35	₹1,554,075.00
313	₹38,268.64	₹27,325.36	₹10,943.28	₹1,526,750.00
314	₹38,268.64	₹27,517.78	₹10,750.86	₹1,499,232.00
315	₹38,268.64	₹27,711.55	₹10,557.09	₹1,471,520.00
316	₹38,268.64	₹27,906.68	₹10,361.96	₹1,443,614.00
317	₹38,268.64	₹28,103.19	₹10,165.45	₹1,415,510.00
318	₹38,268.64	₹28,301.08	₹9,967.55	₹1,387,209.00
319	₹38,268.64	₹28,500.37	₹9,768.27	₹1,358,709.00
320	₹38,268.64	₹28,701.06	₹9,567.58	₹1,330,008.00
321	₹38,268.64	₹28,903.16	₹9,365.47	₹1,301,105.00
322	₹38,268.64	₹29,106.69	₹9,161.95	₹1,271,998.00
323	₹38,268.64	₹29,311.65	₹8,956.99	₹1,242,686.00
324	₹38,268.64	₹29,518.05	₹8,750.58	₹1,213,168.00
325	₹38,268.64	₹29,725.91	₹8,542.73	₹1,183,442.00
326	₹38,268.64	₹29,935.23	₹8,333.41	₹1,153,507.00
327	₹38,268.64	₹30,146.02	₹8,122.61	₹1,123,361.00
328	₹38,268.64	₹30,358.30	₹7,910.34	₹1,093,003.00
329	₹38,268.64	₹30,572.08	₹7,696.56	₹1,062,431.00
330	₹38,268.64	₹30,787.35	₹7,481.28	₹1,031,643.00
331	₹38,268.64	₹31,004.15	₹7,264.49	₹1,000,639.00
332	₹38,268.64	₹31,222.47	₹7,046.17	₹969,416.90
333	₹38,268.64	₹31,442.33	₹6,826.31	₹937,974.50
334	₹38,268.64	₹31,663.73	₹6,604.90	₹906,310.80
335	₹38,268.64	₹31,886.70	₹6,381.94	₹874,424.10
336	₹38,268.64	₹32,111.23	₹6,157.40	₹842,312.90
337	₹38,268.64	₹32,337.35	₹5,931.29	₹809,975.50
338	₹38,268.64	₹32,565.06	₹5,703.58	₹777,410.50
339	₹38,268.64	₹32,794.37	₹5,474.27	₹744,616.10
340	₹38,268.64	₹33,025.30	₹5,243.34	₹711,590.80
341	₹38,268.64	₹33,257.85	₹5,010.79	₹678,332.90
342	₹38,268.64	₹33,492.04	₹4,776.60	₹644,840.90
343	₹38,268.64	₹33,727.88	₹4,540.76	₹611,113.00
344	₹38,268.64	₹33,965.38	₹4,303.25	₹577,147.60
345	₹38,268.64	₹34,204.56	₹4,064.08	₹542,943.10
346	₹38,268.64	₹34,445.41	₹3,823.22	₹508,497.70
347	₹38,268.64	₹34,687.97	₹3,580.67	₹473,809.70
348	₹38,268.64	₹34,932.23	₹3,336.41	₹438,877.50
349	₹38,268.64	₹35,178.21	₹3,090.43	₹403,699.30
350	₹38,268.64	₹35,425.92	₹2,842.72	₹368,273.30
351	₹38,268.64	₹35,675.38	₹2,593.26	₹332,598.00
352	₹38,268.64	₹35,926.59	₹2,342.04	₹296,671.40
353	₹38,268.64	₹36,179.58	₹2,089.06	₹260,491.80
354	₹38,268.64	₹36,434.34	₹1,834.30	₹224,057.50
355	₹38,268.64	₹36,690.90	₹1,577.74	₹187,366.60
356	₹38,268.64	₹36,949.26	₹1,319.37	₹150,417.30
357	₹38,268.64	₹37,209.45	₹1,059.19	₹113,207.80
358	₹38,268.64	₹37,471.47	₹797.17	₹75,736.37
359	₹38,268.64	₹37,735.33	₹533.31	₹38,001.05
360	₹38,268.64	₹38,001.05	₹267.59	₹0.00

Things to Keep in Mind When Applying for a ₹50 Lakh Home Loan

When seeking a ₹50 Lakh home loan, it's vital to consider several key factors. Here's a brief overview to steer you in the right direction:

1. Credit Health: Maintain a strong credit score (typically above 750), as it holds significant sway over loan approval and interest rates.
2. Eligibility Check: Ensure you align with the lender's eligibility criteria, taking into account factors such as age, nationality, and income.
3. Repayment Capability: Evaluate your ability to repay by assessing your current financial status and job stability.
4. EMI Suitability: Calculate EMIs for different loan durations to select one that fits your monthly budget seamlessly.

Total Cost Insights: Gain insight into the overall interest payable throughout the loan tenure to make a well-informed choice.

Do’s and Don'ts for a Successful ₹50 Lakh Home Loan Application

Do’s	Don'ts
1. Review Your Credit Report: Check for errors and improve if needed.	1. Apply with Multiple Lenders: Avoid submitting applications to multiple lenders.
2. Research Interest Rates: Compare rates for the best deal.	2. Borrow Beyond Your Means: Stick to a budget-friendly EMI.
3. Consider Additional Costs: Account for registration, insurance, and taxes.	3. Neglect Your Credit History: Be mindful of your credit history.
4. Maintain Financial Stability: A steady income and job security enhance approval chances.	4. Underestimate Hidden Costs: Be aware of unexpected charges.
5. Factor in Future Contingencies: Plan for emergencies or financial changes.	5. Forget to Read the Fine Print: Carefully review loan terms.

Following these guidelines will help you navigate the ₹50 Lakh home loan application process effectively and make informed decisions.

How Can NoBroker Help?

NoBroker streamlines the ₹50 lakh home loan EMI process. With an online application, access to lenders, and expert guidance, NoBroker simplifies your journey. Their solutions, transparent terms, and efficient processing support you through application to post-approval. Experience a hassle-free loan application with NoBroker Home Loan Services and fulfil your homeownership goals seamlessly.

Disclaimer: The interest rates and calculations mentioned in this guide are for illustrative purposes only. Actual rates and terms may vary depending on the lender and prevailing market conditions.