Home Loan EMI Calculator 2026 — All Banks
Calculate your exact home loan EMI. Current rates start from 8.50% p.a. Get full amortization schedule.
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Current Home Loan Rates 2026
| Bank | Rate |
|---|---|
| SBI / LIC HFL | 8.50%+ |
| HDFC / Kotak | 8.70%+ |
| ICICI / Axis | 8.75%+ |
Eligibility Thumb Rule
Max home loan ≈ 60× net monthly income. ₹50,000/month salary → eligible for ~₹30 lakh.
PMAY Benefit
First-time home buyers get interest subsidy up to ₹2.67 lakh under PMAY. Check eligibility →
Frequently Asked Questions
SBI home loan rates start from 8.50% p.a. (EBLR-linked) as of 2026. Rate varies by loan amount, CIBIL score, and employment type.
On ₹50,000/month, you can typically get ₹25–35 lakh home loan depending on existing EMIs, age, and bank policy.
Most banks offer home loans up to 30 years. The tenure is also limited by your retirement age (typically 60–70 years).
Some NBFCs offer loans for scores 650–750 at higher rates. For best rates (8.50–8.70%), you need CIBIL score of 750+.
Aadhaar, PAN, income proof (salary slips/ITR), bank statements (6 months), property documents, and passport-size photos.
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⚠️ Disclaimer
All calculations are indicative and for informational purposes only. Actual EMI may vary based on your bank's terms, processing fees, and applicable taxes. Please contact your bank for exact figures before taking a loan.
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