Home Loan EMI Calculator in Delhi — Delhi Rates 2026
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Quick Answer
For a home loan in Delhi, current SBI rates start at ~8.50% p.a. On a ₹50 lakh loan for 20 years, the monthly EMI works out to approximately ₹43,391. Average property prices in Delhi are ~₹12,000/sq ft, so a 1,000 sq ft flat typically requires a loan of ₹96,00,000 (80% LTV). Use the calculator to get your exact EMI.
Monthly EMI
₹8,678
Total Interest
₹10,82,776
Total Payment
₹20,82,776
Amortization Schedule (Yearly)
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹19,902 | ₹84,236 | ₹9,80,098 |
| 2 | ₹21,661 | ₹82,477 | ₹9,58,436 |
| 3 | ₹23,576 | ₹80,563 | ₹9,34,860 |
| 4 | ₹25,660 | ₹78,479 | ₹9,09,200 |
| 5 | ₹27,928 | ₹76,211 | ₹8,81,272 |
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Delhi — DelhiRates & Data
| Parameter | Value |
|---|---|
| State | Delhi |
| Stamp Duty (Male) | 6% |
| Stamp Duty (Female) | 4% |
| Registration Charge | 1% |
| Avg Price / sq ft | ₹12,000 |
| Typical Loan Amount | ₹96,00,000 |
| SBI Home Loan Rate (approx) | 8.50% p.a. |
| EMI on ₹50L / 20 yr | ₹43,391/month |
Frequently Asked Questions — Delhi
What is the EMI for a home loan in Delhi?
For a ₹50 lakh home loan in Delhi at 8.5% for 20 years, the monthly EMI is approximately ₹43,391. Total interest paid over 20 years is ~₹54.1 lakh. Increasing the tenure to 25 years reduces the EMI to ~₹40,036 but raises total interest to ~₹70 lakh. Use the calculator above to model your specific loan amount and tenure.
Which bank offers the best home loan rate in Delhi in 2026?
SBI, HDFC, ICICI, and Axis Bank all offer competitive home loan rates in Delhi starting from ~8.50% p.a. Rates depend on CIBIL score, employment type, and loan amount. A CIBIL score above 750 typically secures the best rates. Compare processing fees (0.5–1% of loan), pre-payment charges (nil for floating), and total interest cost — not just headline rates.