Published Jul 9, 2025 2 Min Read

Rs. 36 Lakh Home Loan EMI,Rs. 36 Lakh Home Loan EMI Calculator,Rs. 36 Lakhs Home EMI as per tenure,Rs. 36 Lakhs Home Loan Eligibility and Documents Required,Rs. 36 Lakhs Home Loan EMI for different tenures,What will be the EMI on Rs. 36 Lakhs Home Loan for 10 years,What will be the EMI on Rs. 36 Lakhs Home Loan for 20 years,What will be the EMI on ₹36 Lakhs Home Loan for 25 years,Features and Benefits of Rs. 36 Lakh Home Loan,Eligibility Criteria for the Rs. 36 Lakh Home Loan,How to Apply for a Rs. 36 Lakh Home Loan?,Apply for a home loan in different cities,Home loan options for different budgets

Buying a home is a significant milestone for many individuals and families, and financing this dream often requires a reliable home loan. If you are planning to take a Rs. 36 lakh home loan, understanding your EMI (Equated Monthly Instalment) and interest rate is crucial for effective financial planning. Bajaj Finserv Home Loans offer competitive interest rates, flexible repayment tenures, and a host of benefits to make your home-buying journey seamless.

In this article, we will explore the EMI calculations for a Rs. 36 lakh home loan across tenures of 10, 20, and 30 years, along with eligibility criteria, features, and other essential details.

Rs. 36 Lakh Home Loan EMI

An EMI, or Equated Monthly Instalment, is the fixed amount you pay every month to repay your home loan over the chosen tenure. It includes both the principal amount and the interest charged by the lender. Understanding your EMI helps you plan your monthly budget effectively and ensures that your home loan remains affordable.

Bajaj Finserv Home Loans simplify this process with an easy-to-use Home Loan EMI Calculator. You can input your loan amount, interest rate, and tenure to instantly calculate your EMI.

Use our Home Loan EMI Calculator to plan your EMI for a Rs. 36 lakh home loan today.

Rs. 36 Lakh Home Loan EMI calculator

The Bajaj Finserv Home Loan EMI Calculator is an essential tool for anyone considering a home loan. It provides accurate EMI calculations based on your loan amount, interest rate, and tenure. For example:

  • Loan Amount: Rs. 36 lakh
  • Interest Rate: 7.49%* p.a.
  • Tenure: 20 years
  • EMI: Approximately Rs. 28,960

This tool helps you understand how different tenures and interest rates impact your monthly payments, enabling you to choose the most suitable repayment plan.

Use our Home Loan EMI Calculator to see how affordable your dream home can be.

Rs. 36 Lakh home loan EMI as per tenure

The tenure of your home loan significantly affects your EMI. Longer tenures result in lower EMIs but higher overall interest costs, while shorter tenures have higher EMIs but lower interest payouts. Here is a detailed breakdown:

TenureInterest RateApproximate EMI
10 years7.49%* p.a.Rs. 43,200
20 years7.49%* p.a.Rs. 28,960
30 years7.49%* p.a.Rs. 25,180

While longer tenures reduce your monthly burden, they increase the total interest paid over the loan period. Bajaj Finserv offers flexible tenures of up to 32 years, allowing you to strike the right balance between affordability and long-term costs.

Check your customised loan offers and adjust your loan tenure online.

Rs. 36 Lakh home loan eligibility and documents required

To apply for a Rs. 36 lakh home loan, you need to meet the following eligibility criteria:

Eligibility Criteria:

  • Age: 23-67 years for salaried applicants; 23-70 years for self-employed individuals.
  • CIBIL Score: A score of 725 or higher is preferred.
  • Income: Stable income proof is required to ensure repayment capacity.

Documents Required:

  • KYC documents: Aadhaar card, PAN card, or passport.
  • Income proof: Salary slips, ITR, or profit and loss statements.
  • Address proof: Utility bills, rent agreement, or property documents.
  • Bank statements: For the past 6 months.

Check if you are eligible for a Rs. 36 lakh home loan in just two steps.

Rs. 36 Lakh home loan EMI for different tenures

Here is a comparison of EMIs for a Rs. 36 lakh home loan across various tenures and interest rates:

TenureInterest RateApproximate EMITotal Interest Paid
10 years7.49%* p.a.Rs. 43,200Rs. 15.84 lakh
20 years7.49%* p.a.Rs. 28,960Rs. 33.50 lakh
30 years7.49%* p.a.Rs. 25,180Rs. 55.65 lakh

This chart highlights the impact of tenure on both EMI and total interest paid. Bajaj Finserv’s flexible tenure options allow you to choose repayment plans tailored to your financial goals.

 

Features and benefits of Rs. 36 Lakh home loan

Bajaj Finserv Home Loans come with several features and benefits designed to make your home-buying journey stress-free:

  • Loan Amount: Financing up to Rs. 15 crore.
  • Flexible Tenure: Repayment options up to 32 years.
  • Competitive Interest Rates: Starting at 7.49%* p.a.
  • Tax Benefits: Claim deductions under sections 80C and 24(b) of the Income Tax Act.
  • Part-Prepayment Options: Pay off your loan partially without additional charges.

Check out the features of Bajaj Finserv Home Loan and apply today.

How to apply for a Rs. 36 Lakh home loan

Applying for a Bajaj Finserv Home Loan is simple and fast. Follow these steps:

  1. Visit the Bajaj Finserv Home Loan page.
  2. Fill in your details and loan requirements.
  3. Upload the required documents digitally for verification.
  4. Receive quick approval and disbursal within 24 hours.

Conclusion

A Rs. 36 lakh home loan can make your dream home a reality, and Bajaj Finserv offers competitive rates, flexible tenures, and quick approvals to simplify the process. Use the Home Loan EMI Calculator to plan your finances effectively and choose repayment terms that suit your budget.

Apply for a Bajaj Finserv Home Loan today and take the first step towards owning your dream home.

 

Frequently asked questions

What will be the Rs. 36 Lakh home loan EMI for 25 years?

For a 25-year tenure at 7.49%* p.a., the EMI is approximately Rs. 27,530.

What is the EMI for a Rs. 36 Lakh home loan for 20 years?

The EMI for a 20-year tenure is around Rs. 29,180, assuming an interest rate of 7.49%* p.a.


 

What is the maximum repayment tenure I can go for in the case of a Rs. 36 Lakh home loan?

Bajaj Finserv offers repayment tenures of up to 32 years, allowing you to choose a plan that suits your financial goals.


 

Can I get a Home Loan of Rs. 36 Lakh?

Yes, Bajaj Finserv provides home loans of up to Rs. 15 crore, subject to eligibility criteria.


 

Can I get a Rs. 36 Lakh home loan with a low credit score?

While a low credit score may affect loan terms, you can improve eligibility by adding a co-applicant or increasing your income.

What income level is required for a Home Loan of Rs. 36 Lakh?

Your income should demonstrate repayment capacity, typically with a debt-to-income ratio below 40%.


 

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Bajaj Finserv App for All Your Financial Needs and Goals

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: 

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
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Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

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