With a sanction of up to Rs. 1 crore, Bajaj Finserv’s 1 cr home loan helps you purchase your dream home without financial strain. You can calculate your 1 crore home loan EMI easily and opt for a tenure of up to 32 years for manageable repayments. This flexibility ensures affordable EMIs while offering competitive interest rates. Whether buying a new home or refinancing an existing loan, this option allows you to plan finances effectively. Use an EMI calculator to estimate monthly payments and make an informed borrowing decision. Enjoy hassle-free financing with quick approval and minimal paperwork.
1 core home loan EMI: Features and benefits
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Easy repayment
Pick a tenor that ranges up to 30 years to ensure optimal outgo all through.
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PMAY perks
With the CLSS benefit on your home loan, you can get an interest subsidy up to Rs. 2.67 lakh.
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Balance transfer feature
Transfer the home loan to us easily and quickly, with minimal documentation required and expedited processing.
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Sizable top-up loan
Fund other financial obligations with a high-value top-up loan, which comes with a nominal rate of interest.
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Online provision
Apply online for a housing loan, without leaving the comfort of your home.
1 crore home loan EMI with varying tenures
Be sure to use our handy online tools such as the home loan EMI calculator. This can help you find the best tenor, learn about the total cost of borrowing, and give you invaluable insight into your EMIs. For a better idea of the EMIs payable for varying tenors and amounts, look at the following tables. Considering a sanction of Rs. 1 crore, at an interest rate starting from 8.45%* p.a. Here are the EMIs for different tenures.
Loan amount |
Interest Rate |
Tenure |
EMI |
Rs. 1 crore |
8.25%* p.a |
10 years |
Rs. 1,23,718 |
Rs. 1 crore |
8.25%* p.a |
15 years |
Rs. 98,181 |
Rs. 1 crore |
8.25%* p.a |
20 years |
Rs. 86,466 |
Rs. 1 crore |
8.25%* p.a |
25 years |
Rs. 80,186 |
Rs. 1 crore |
8.25%* p.a |
30 years |
Rs. 76,537 |
What is the EMI on Rs. 1 Crore Home Loan for 30 Years?
A Rs. 1 crore home loan with a 30-year tenure allows borrowers to enjoy lower EMIs, making homeownership more affordable. The interest rate plays a crucial role in determining your monthly payments. Below is the EMI calculation:
Loan Amount |
Rs. 1 Crore |
Interest Rate |
8.25%* |
Loan Tenure |
30 Years |
EMI |
Rs. 75,127 |
Total Interest Payable |
Rs. 1.70 Crore |
Total Payable Amount |
Rs. 2.70 Crore |
Rs. 1 Crore Home Loan EMI with Interest Rate for 20 Years
Loan Term |
Loan Amount |
Rate of Interest (p.a.) |
EMI |
Total Interest |
Total Amount Payable |
10 Years |
Rs. 1,00,00,000 |
8.50%* |
Rs. 1,23,718 |
Rs. 48,46,212 |
Rs. 1,48,46,212 |
20 Years |
Rs. 1,00,00,000 |
8.50%* |
Rs. 86,466 |
Rs. 1,07,51,870 |
Rs. 2,07,51,870 |
15 Years |
Rs. 1,00,00,000 |
8.50%* |
Rs. 98,181 |
Rs. 76,72,596 |
Rs. 1,76,72,596 |
25 Years |
Rs. 1,00,00,000 |
8.50%* |
Rs. 84,241 |
Rs. 1,61,48,389 |
Rs. 2,61,48,389 |
30 Years |
Rs. 1,00,00,000 |
8.50%* |
Rs. 88,100 |
Rs. 2,20,55,894 |
Rs. 3,20,55,894 |
Home Loan EMI with Other Amount
Home Loan up to Rs. 1 Crore: Eligibility criteria
Our home loan eligibility criteria are easy to meet and help you get the funds you need without any hassles. Here is a list of the terms you should be aware of.
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Nationality
Indian
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Age
23 years to 67 years* for salaried individuals, 23 years to 70 years* for self-employed
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Employment status
At least 3 years of experience for salaried individuals, at least 5 years of business continuity for self-employed individuals
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CIBIL score
725 or higher
*Please note that the list of eligibility terms mentioned is indicative. Terms and conditions apply.
How can I apply for a Rs. 1 crore home loan online with Bajaj Finserv
Step-by-step guide to applying for a home loan
- 1 Click on the 'APPLY' button on this page.
- 2 Enter your full name, mobile number, and employment type.
- 3 Now select the type of loan you wish to apply for.
- 4 Generate and submit your OTP to verify your phone number.
- 5 Upon OTP verification, enter additional details like your monthly income, required loan amount, and if you have identified the property.
- 6 In the next steps, enter your date of birth, PAN number and other details as requested depending on your selected occupation type.
- 7 Click on the ‘SUBMIT’ button.
That is it! Your application is submitted. Our representative will connect with you and guide you through the next steps.
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.
Explore and apply for co-branded credit cards online.
Invest in fixed deposits and mutual funds on the app.
Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
Shop from over 100+ brand partners that offer a diverse range of products and services.
Use specialised tools like EMI calculators, SIP Calculators
Check your credit score, download loan statements and even get quick customer support—all on the app.
Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.
Home loan up to Rs. 1 crore: Interest rate and fees
Get approved for a large sanction at an attractive home loan interest rate and ensure that your interest outgo stays within budget.
Read about the complete fees and charges applicable on our home loan online.
*Conditions apply
Frequently Asked Questions
When applying for a home loan from Bajaj Finance, you have the opportunity to secure a loan amount of up to Rs. 15 crore*. However, it is crucial to carefully evaluate your eligibility criteria before proceeding with the application. The loan amount you qualify for will be determined based on factors such as your eligibility and the documentation you provide during the application process. By assessing your eligibility and understanding the requirements, you can have a clearer idea of the loan amount you may be eligible for from Bajaj Finance.
If you apply for a home loan from Bajaj Finance at an interest rate starting from 8.25%* p.a, your EMIs will depend on the tenure you select to repay your loan. A wise thing to do would be analyse you monthly expenses or liabilities and your monthly salary before finalising the EMI amount. You can use our home loan EMI calculator to check how much EMI you will be paying based on your tenure, interest rate, and loan amount.
For a Rs. 1 crore home loan at an interest rate of 8.50% per annum with a tenure of up to 40 years, the Equated Monthly Installment (EMI) could range from approximately Rs. 77,322 to Rs. 93,986, depending on the specific loan terms and conditions.
For a Rs. 2 crore home loan at an interest rate of 8.50% per annum with a tenure of up to 40 years, the Equated Monthly Installment (EMI) could range from approximately Rs. 1,54,644 to Rs. 1,87,972, depending on the specific loan terms and conditions.
Bajaj Finance offers extended repayment tenures of 32 years, ensuring you can comfortably repay your loan.
A Rs. 1 crore home loan at an 8.25% interest rate for 25 years will have an EMI of approximately Rs. 78,936. The total interest payable will be around Rs. 1.37 crore.
A low credit score can reduce your chances of loan approval. However, you may still get a Rs. 1 crore home loan with a higher interest rate or by adding a co-applicant.
Most lenders offer a maximum tenure of up to 30 years for a Rs. 1 crore home loan, ensuring lower EMIs and flexible repayment options.
A longer tenure, like 25-30 years, helps reduce the EMI burden, making it easier to manage monthly payments while maintaining financial stability.
