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Know more about your EMI for a 20 Lakhs Home Loan

Are you considering a ₹20 lakh home loan? Understanding your EMI (Equated Monthly Installment) is crucial. The EMI for a 20 lakhs home loan depends on the interest rate and loan tenure. It's the amount you'll pay monthly to clear your loan.

₹20 Lakh Home Loan EMI Details

Calculating your EMI helps in financial planning. The EMI consists of the principal amount and the interest. Over time, as you pay off the loan, the interest component decreases while the principal component increases.

20,00,000 8.75% 5 years 41,226
20,00,000 8.75% 10 Years 25,012
20,00,000 8.75% 15 Years 19,930
20,00,000 8.75% 20 Years 17,610
20,00,000 8.75% 30 Years 15,663

Disclaimer: The aforementioned values, calculations, and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.

₹20 Lakh Home Loan EMI Calculator

Use our Home Loan EMI Calculator to get an estimate. Input the loan amount, tenure, and interest rate to see your EMI. It's a simple tool that provides clarity on your monthly financial commitments.

Loan amount
Loan duration
Loan duration
Rate of interest

Monthly EMI

  • Total Amount Payable


  • Total Interest Payable


Total Amount Payable

Total Interest Payable

₹20 Lakh Home Loan Interest Rate & Other Charges

Tata Capital offers competitive home loan interest rates. Our rates are designed to make your home loan affordable. Additionally, we maintain transparency on all other charges. Check the current home loan interest rates and charges.

  • Enjoy competitive interest rates

  • Choose your desired loan amount

  • Flexible options for EMI

  • Pre-close your loan at your convenience

How to Apply for ₹20 Lakh Home Loan


Fill the online form

Access our online home loan application form here. It should take you 10 to 15 minutes to fill up the form.


Upload documents

Upload the self-attested copies of the required documents. After receiving your documents, we will initiate a verification process.


Expert Inspection

Our experts will inspect the property and give on-spot approval for your house loan.


Loan disbursal

You will get your loan amount in your bank account within 3 to 5 working days

₹20 Lakh Home Loan Eligibility & Documents Required

If you're eyeing a ₹20 lakh home loan, start by assessing your borrowing capacity with a home loan eligibility calculator. This practical resource estimates the loan amount that suits your financial profile, considering factors like your income and credit score. It's important to have your documentation complete and ready to go. This not only streamlines the application process but also ensures your eligibility assessment is accurate. Being thorough with your paperwork greatly increases your chances of a smooth and prompt loan approval. 

For a comprehensive understanding of the necessary documentation, please refer to the following table:

Age Proof Age Proof
Photo Identity Proof Photo Identity Proof
Address Proof Address Proof
Income Proof Business Proof
Existing Loan Details Income Proof
Processing Fee Cheque Existing Loan Details
Processing Fee Cheque

₹20 Lakh Home Loan EMI for 5,10,& 20 years

To better understand how your repayments and monthly installments (EMIs) will look for various loan amounts and durations, let's dive into these tables. With the current interest rate at 8.75%, let's break down what the EMI would be for a Rs 20 Lakh loan over periods of 5, 10, 15, and 20 years.


5 years 41,226
10 Years 25,012
15 Years 19,930
20 Years 17,610
30 Years 15,663

Disclaimer: The aforementioned values, calculations, and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.


In summary, opting for a ₹20 lakh home loan from Tata Capital is an excellent choice for those seeking a seamless and financially viable path to homeownership. The attractive interest rate of 8.75%, along with flexible tenure options ranging from 5 to 20 years, allows you to tailor your EMI according to your financial capacity. The straightforward online application process, expedited loan approval, and disbursement timelines are designed for your convenience. Furthermore, the Home Loan EMI Calculator provides a transparent view of your monthly commitments, aiding in effective financial planning. With clear guidelines on eligibility and required documentation for home loans, both salaried and self-employed individuals can navigate the loan process with ease. Tata Capital's commitment to customer-centric solutions makes it an ideal partner in your journey towards acquiring your dream home.

What our customers say about us

I had applied for a home loan at Tata Capital & got the it approved quickly. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs.

Sumeet Verma

Home Loan | 14 March, 2022

The submission of my home loan application was very simple and easy. Even the documentation process was very simple and ended in very less time.

Yukta Jaiswal

Home Loan | 11 March, 2022

The customer support service is good as they responded to my queries without any wait time. With their help, my home loan was approved in very less time.

Rashmi Singhania

Home Loan | 28 February, 2022

I got my home loan approved from Tata Capital. The reason behind going with Tata Capital home loan is they were offering home loan at best price and zero processing fee.

Aman Malik

Home Loan | 18 February, 2022

Rate of interest for the home loan is nominal. The processing fee is applicable but even that's nominal.

Chintan Saraiya

Home Loan | 20 October, 2021

The agent explained clearly about the home loan process. There was no hassle in getting the loan.

Ayaz Azmi

Home Loan | 20 October, 2021

I was given a clear picture about the loan process. I am impressed how I was properly notified by the bank and how transparency was maintained.

Kalpana Singh

Home Loan | 20 October, 2021

The processing fee was nominal for my home loan. It was processed hassle free. I am satisfied with the service.

Sridhar Pillai

Home Loan | 20 October, 2021

The process for my housing loan was immediate. Interest rates were normal at X%. The documentation process was hassle free. What else can I expect!?

Kundan Meher

Home Loan | 20 October, 2021