If you’re considering a Rs. 25 lakh home loan to finance your new home, understanding how your repayments will work is a smart first step. One of the key aspects to focus on is your EMI – the fixed amount you’ll pay each month. Knowing this in advance makes it easier to manage your finances and avoid surprises later. You can try out a home loan EMI calculator online to check how much you might need to repay every month based on your loan amount, tenure, and interest rate. In this article, we’ll break down the estimated EMIs for a Rs. 25 lakh home loan across different loan durations, helping you choose a repayment plan that fits your budget and lifestyle comfortably.
Understand Rs. 25 lakh home loan EMI
Bajaj Finserv offers Rs. 25 lakh home loan that can help you buy or build a home to your specifications. Rs. 25 lakh loan can comfortably cater to many of your financing needs, be it purchasing your first home, constructing it, or simply refinancing an existing loan.
With this loan, you also can claim CLSS benefits as a PMAY beneficiary, opt for a comfortable tenor ranging up to 32 years, and take advantage of our property dossier facility. This comprehensive guide on buying property can assist you with the financial and legal aspects of the undertaking.
For those curious about the monthly financial commitment, the Rs. 25 lakh home loan EMI will be tailored to your loan amount, tenure, and interest rate. Calculate your exact EMI using our online EMI calculator to plan your budget effectively.
Ready to apply? Check your eligibility first by entering your mobile number and OTP for verification.
Rs. 25 lakh home loan EMI with varying tenures
The loan also has online tools such as the home loan EMI calculator. It is absolutely crucial that you use it when planning your loan, as it provides invaluable insights for choosing the right loan and EMI amount. For a brief overview of the factors that affect your EMIs, take a look at these tables.
The tenure is the first factor to note as changing the repayment timeline changes the EMIs payable. Consider this example, where the loan amount is Rs. 25 lakh with the home loan interest rate starting from 7.49%* p.a..
Loan tenure (Years) |
Loan amount (Rs. ) |
Rate of interest (p.a.) |
EMI (Rs.) |
Total interest (Rs.) |
Total amount payable (Rs.) |
5 |
25 lakh |
7.99% |
Rs. 50,679 |
Rs. 5,40,741 |
Rs. 30,40,741 |
10 |
25 lakh |
7.99% |
Rs. 30,319 |
Rs. 11,38,243 |
Rs. 36,38,243 |
15 |
25 lakh |
7.99% |
Rs. 23,877 |
Rs. 17,97,837 |
Rs. 42,97,837 |
20 |
25 lakh |
7.99% |
Rs. 20,895 |
Rs. 25,14,907 |
Rs. 50,14,907 |
25 |
25 lakh |
7.99% |
Rs. 19,279 |
Rs. 32,83,654 |
Rs. 57,83,654 |
30 |
25 lakh |
7.99% |
Rs. 18,327 |
Rs. 40,97,608 |
Rs. 65,97,608 |
Rs. 25 lakh home loan EMI for 30 years
The table below illustrates the results of using our home loan EMI calculator for a Rs. 25 lakh home loan with an interest rate of 7.99%*p.a. for a tenure of 30 years:
Loan amount |
Rs. 25 lakh |
Interest rate |
7.99% p.a. |
Loan tenure |
30 years |
EMI (Rs.) |
18,327 |
Total interest payable (Rs.) |
40,97,608 |
Total payable amount (Rs.) |
65,97,608 |
Rs. 25 lakh home loan EMI for 25 years
The table below illustrates the results of using our home loan EMI calculator for a Rs. 25 lakh home loan with an interest rate of 7.99%*p.a. for a tenure of 25 years:
Loan amount |
Rs. 25 lakh |
Interest rate |
7.99% p.a. |
Loan tenure |
25 years |
EMI (Rs.) |
19,279 |
Total interest payable (Rs.) |
32,83,654 |
Total payable amount (Rs.) |
57,83,654 |
Rs. 25 lakh home loan EMI for 20 years
The table below illustrates the results of using our home loan EMI calculator for a Rs. 25 lakh home loan with an interest rate of 7.99%*p.a. for a tenure of 20 years:
Loan amount |
Rs. 25 lakh |
Interest rate |
7.99% p.a. |
Loan tenure |
20 years |
EMI (Rs.) |
20,895 |
Total interest payable (Rs.) |
25,14,907 |
Total payable amount (Rs.) |
50,14,907 |
Rs. 25 lakh home loan EMI for 15 years
The table below illustrates the results of using our home loan EMI calculator for a Rs. 25 lakh home loan with an interest rate of 7.99%*p.a. for a tenure of 15 years:
Loan amount |
Rs. 25 lakh |
Interest rate |
7.99% p.a. |
Loan tenure |
15 years |
EMI (Rs.) |
23,877 |
Total interest payable (Rs.) |
17,97,837 |
Total payable amount (Rs.) |
42,97,837 |
Rs. 25 lakh home loan EMI for 10 years
The table below illustrates the results of using our home loan EMI calculator for a Rs. 25 lakh home loan with an interest rate of 7.99%*p.a. for a tenure of 10 years:
Loan amount |
Rs. 25 lakh |
Interest rate |
7.99% p.a. |
Loan tenure |
10 years |
EMI (Rs.) |
30,319 |
Total interest payable (Rs.) |
11,38,243 |
Total payable amount (Rs.) |
36,38,243 |
Rs. 25 lakh home loan EMI for 5 years
The table below illustrates the results of using our home loan EMI calculator for a Rs. 25 lakh home loan with an interest rate of 7.99%*p.a. for a tenure of 5 years:
Loan amount |
Rs. 25 lakh |
Interest rate |
7.99% p.a. |
Loan tenure |
5 years |
EMI (Rs.) |
50,679 |
Total interest payable (Rs.) |
5,40,741 |
Total payable amount (Rs.) |
30,40,741 |
Features and benefits of Rs. 25 lakh home loan EMI
If you are seeking a home loan from Bajaj Finserv, here are the features that you can enjoy.
-
Online application
Get your home loan without stepping out of your home with our 100% digital processes.
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Tailored repayment
Pick a tenor that ranges up to 32 years to repay comfortably, based on your capabilities.
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PMAY benefit
Avail the interest subsidy of up to Rs. 2.67 lakh under the CLSS component as an eligible PMAY beneficiary.
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Balance transfer facility
Transfer the home loan from your existing lender to us quickly and with minimal documentation to avail better terms.
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Additional finance
Get a top-up loan to access funds for a variety of needs on cost-effective terms. Use it without any restriction.
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Speedy disbursal
No more long waits for loan amounts with Bajaj Finserv. Find your sanction amount in your bank account in just 48* hours from approval.
Things to consider while taking Rs. 25 lakh home loan EMI
When considering a Rs. 25 lakh home loan EMI, it's essential to keep the following pointers in mind:
- Interest rate: Compare rates from various lenders to find the most competitive one. A lower interest rate can significantly reduce your EMI. Bajaj Finserv offers competitive interest rates starting at 7.49%* p.a.. You might already be eligible. Check your home loan offers by entering your mobile number and verifying it with an OTP.
- Loan tenure: Choose a tenure that balances manageable EMIs with the total interest paid. A longer tenure reduces the EMI but increases the total cost.
- Processing fees: Be aware of the processing fees and any hidden charges. These can add to the overall cost of your loan.
- Prepayment options: Check if the lender allows prepayments without penalties. This flexibility can help you pay off the loan faster if you have extra funds.
- Credit score: A higher credit score can help you secure better terms. Ensure your credit report is accurate before applying.
Home loan EMI with other amount
Eligibility Criteria for Rs. 25 lakh home loan EMI
The housing loan eligibility criteria for this instrument are very simple and easy to meet. Here is a list of the terms you should be aware of.
Criteria |
Self-employed |
Salaried |
Age (in years) |
23 years - 70 years |
23 years - 67 years |
CIBIL score |
725+ |
725+ |
Citizenship |
Indian |
Indian |
Monthly income |
Rs. 30,000 to Rs. 40,000 depending on the city of residence and age |
1. Under the age of 37 years: Rs. 30,000 2. 37-45 years: Rs. 40,000 3. Above 45 years: Rs. 50,000 |
Work experience/ business continuity (in years) |
5 years |
3 years |
*Please note that the eligibility list mentioned above is indicative. Terms and conditions apply.
Documents required for Rs. 25 lakh home loan EMI
Here are the required documents:
- KYC Documents: Identity and address proof
- Income Proof: Salary slips or profit and loss statement
- Business Proof: For self-employed applicants
- Bank Statements: Last 6 months' account statements
Note: This is a general list and may vary depending on your specific loan application.
Wondering what amount you qualify for? Check your offers now by entering your mobile number and verifying with an OTP.
Rs. 25 lakh home loan EMI interest rates and charges
Bajaj Finserv offers some of the most competitive home loan interest rates in the market, thus enabling you to borrow on cost-effective terms.
Read the complete fees and charges applicable on Bajaj Finserv Home Loans and make an informed choice. Click here to know more.
*Terms and conditions apply
Apply for a home loan in different cities
Home loan calculators
How to apply for Rs. 25 lakh home loan
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.
Frequently asked questions
To check your eligibility for a Rs. 25 lakh home loan, consider factors like your income, credit score, existing liabilities, and employment stability. Using a home loan eligibility calculator can provide a quick assessment of your eligibility.
Want to check your eligibility? Enter your mobile number and OTP for verification to know your home loan offers from Bajaj Finserv.
The minimum salary required for a Rs. 25 lakh home loan varies by lender but typically ranges from Rs. 25,000 to Rs. 50,000 per month. Your salary must support the EMI along with other financial commitments. A stable income enhances your eligibility and improves loan approval chances.
To clear a Rs. 25 lakh home loan efficiently, consider making regular prepayments when possible, opting for a shorter tenure, and maintaining a disciplined budget. Prioritise EMIs in your monthly expenses and explore refinancing options for lower interest rates to reduce the total loan burden.
At an 8.50% interest rate, the EMI for a Rs. 25 lakh home loan for a 20-year tenure is approximately Rs. 21,380. The EMI amount can vary based on the loan tenure and interest rate, so using an EMI calculator can provide exact figures.
For a Rs. 30 lakh home loan at an 8.50% interest rate over a 20-year term, the EMI is roughly Rs. 25,656. Adjustments in tenure or interest rate can impact this amount, so it’s advisable to use an EMI calculator for precise results.
With an 8.50% interest rate, the EMI for a Rs. 20 lakh home loan over 15 years is around Rs. 19,613. This amount may fluctuate based on the exact interest rate and tenure adjustments, so consider using an EMI calculator for accurate calculations.
For Rs. 25 lakhs, a home loan is generally preferable due to lower interest rates and longer tenures compared to personal loans. Home loans offer more manageable EMIs and favourable terms for purchasing or refinancing property, making them a better choice for such amounts. Bajaj Finserv also offers a generous top-up loan of up to Rs. 1 crore without any end use restriction. Check your home loan offers from Bajaj Finserv to make the most of its many features and benefits. You might already be eligible; find out by entering your mobile number and OTP.
