Published Jun 30, 2025 2 Min Read

Rs. 10 Crore Home Loan EMI

Purchasing a dream home is a significant milestone, but financing such a high-value property can feel overwhelming. A Rs. 10 Crore home loan can help you turn your dream into reality without straining your finances. However, understanding your Equated Monthly Instalment (EMI) and the factors that influence it is essential for effective financial planning.

In this article, we will explore the EMI and interest rates for a Rs. 10 Crore home loan across different tenures—10, 20, and 30 years—and how Bajaj Finserv Home Loans can make the process seamless with flexible tenures, competitive interest rates, and minimal documentation.

Rs. 10 Crore Home Loan EMI

An EMI is the fixed monthly amount you pay towards repaying your home loan. It consists of two components: the principal amount and the interest. Choosing the right loan tenure and interest rate is crucial to ensure your EMI fits your budget.

With Bajaj Finserv Home Loans, you can avail of loan amounts up to Rs. 15 Crores and enjoy competitive interest rates starting from 7.49%* p.a. You can also opt for flexible tenures of up to 32 years, making it easier to manage your monthly outflows.

Buying your dream home does not have to be a financial burden. With a Rs. 10 Crore Bajaj Finserv Home Loan, you can enjoy customised solutions that suit your financial needs.  check your offers now by entering your mobile number and verifying it with an OTP.

Rs. 10 Crore Home Loan EMI Calculator

Using an EMI calculator is a smart way to plan your finances. It helps you estimate your monthly instalments based on the loan amount, tenure, and interest rate. This allows you to compare different scenarios and choose the most suitable option.

For instance, here is an example of EMI calculations for a Rs. 10 Crore home loan at different interest rates and tenures:

Loan TenureInterest RateEMI (Approx.)
10 Years7.49%* p.a. Rs. 11.87 Lakh
20 Years7.49%* p.a. Rs. 8.04 Lakh
30 Years7.49%* p.a. Rs. 6.98 Lakh

Use the Bajaj Finserv Home Loan EMI Calculator to get a clear idea of your monthly financial commitment and plan your budget effectively.

Rs. 10 Crore home EMI as per tenure

The tenure of your loan significantly impacts your EMI. A shorter tenure results in higher EMIs but lower total interest outgo, while a longer tenure reduces your monthly payments but increases the overall interest paid.

Below is a detailed breakdown of EMIs for a Rs. 10 Crore loan across tenures of 10, 20, and 30 years at an interest rate of 7.49%* p.a.:

TenureEMI (Approx.)Total Interest Outgo
10 YearsRs. 11.87 LakhRs. 4.24 Crore
20 YearsRs. 8.04 LakhRs. 9.69 Crore
30 YearsRs. 6.98 LakhRs. 14.12 Crore

Rs. 10 Crore home loan eligibility and documents required

To avail of a high-value loan like Rs. 10 Crore, you must meet specific eligibility criteria. These include:

  • Age: 23–70 years
  • Income: Stable and sufficient to cover EMIs
  • Credit Score: A CIBIL Score of 725 or above is recommended
  • Employment: Salaried or self-employed professionals with a steady income

Documents Required:

  • KYC documents (Aadhaar, PAN, Passport, etc.)
  • Proof of income (salary slips, IT returns, etc.)
  • Bank account statements (last 6 months)
  • Property documents

Meeting these requirements ensures a smooth loan approval process with Bajaj Finserv Home Loans. Check your eligibility for home loans up to Rs. 15 crore* with flexible tenure options.

Rs. 10 Crore home loan EMI for different tenures

EMI for a 10-year tenure

Opting for a 10-year tenure will result in higher monthly payments but significantly lower total interest outgo. For example, at an interest rate of 7.49%* p.a., the EMI for a Rs. 10 Crore loan would be approximately Rs. 11.87 Lakh.

EMI for a 20-year tenure

A 20-year tenure balances affordability and interest costs. At the same interest rate, the EMI would be around Rs. 8.04 Lakh, making it a viable option for many borrowers.

EMI for a 30-year tenure

For those prioritising lower monthly payments, a 30-year tenure is ideal. The EMI would be approximately Rs. 6.98 Lakh, but the total interest paid over the loan period would be higher.


Features and benefits of Rs. 10 Crore home loan

Choosing a Bajaj Finserv Home Loan comes with several advantages, including:

  • Loan amounts up to Rs. 15 Crores
  • Competitive interest rates starting at 7.49%* p.a.
  • Flexible tenures of up to 32 years
  • Minimal documentation for faster approvals
  • Tax benefits under Sections 80C and 24(b) of the Income Tax Act

You might already be eligible – check your offers now by entering your mobile number and verifying it with an OTP.

 

How to apply for a Rs. 10 Crore home loan

Applying for a Bajaj Finserv Home Loan is a simple and hassle-free process:

  1. Visit the Bajaj Finserv Home Loan page.
  2. Click on “Apply” and fill in your basic details, including your mobile number and property information.
  3. Choose your preferred tenure and EMI.
  4. Submit the required documents for verification.

Once your application is approved, the loan amount will be disbursed quickly.

Home loan options for different budgets

Bajaj Finserv offers various financing options to cater to diverse needs, including:

  • Fresh Home Loans: For purchasing a new property
  • Balance Transfer: To transfer your existing home loan for better terms
  • Top-Up Loans: For additional funding over your existing loan

 

Conclusion

A Rs. 10 Crore home loan can make your dream of owning a luxury home a reality. By understanding the EMI and interest rates for different tenures, you can make an informed decision that aligns with your financial goals.

With Bajaj Finserv Home Loans, you can enjoy competitive interest rates, flexible tenures, and a hassle-free application process. Take the first step towards your dream home today—apply now!

 

 

Frequently asked questions

What will be the Rs. 10 Crore home loan EMI for 25 years?

For a 25-year tenure at an interest rate of 7.49%* p.a., the EMI would be approximately Rs. 7.31 Lakh.


 

What is the maximum repayment tenure I can go for in the case of a Rs. 10 Crore home loan?

Bajaj Finserv offers repayment tenures of up to 32 years, providing flexibility for borrowers.


 

What income level is required for a Home Loan of Rs. 10 Crore?

The required income depends on your loan tenure and other financial commitments. Adding a co-applicant can improve your eligibility.


 

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Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals. 

You can use the Bajaj Finserv App to: 

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  • Use specialised tools like EMI calculators, SIP Calculators
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Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Disclaimer

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