Home Loan EMI Calculator
₹1 Crore Home Loan Emi for 10 to 25 Years

1 Crore Home Loan EMI

Welcome to a lifestyle of effortless luxury with 1 Crore Home Loan by Axis bank

tyeCreate an asset for future generations with Rs.1 crore Home Loan

Realise your vision for financial independence and long-term wealth creation with a significant Rs. 1 crore Home Loan from Axis Bank. This substantial investment empowers you to secure prime real estate assets, generate passive income through strategic ventures, or establish a valuable generational legacy. We are dedicated to understanding your unique financial objectives and providing the resources necessary to achieve them. Our easy online application process, quick approval and sanction ensures a smooth and hassle-free experience for you. Additionally, our experienced personnel are ready to help out with any hurdles you may face during the application procedure.

1 Cr Home Loan EMI for 10 Years

Let us know the EMI for a 1 crore home loan with the following details.

Loan Amount (₹)1,00,00,000
Tenure (years)10
Interest Rate (p.a.) 8.75% - 9.15%

Note: Considering 8.75% interest in the below scenarios.

1 Cr Home Loan EMI for 10 Years

Equated Monthly Instalments (EMI in ₹)1,25,327
Principal Amount (₹)1,00,00,000
Interest Amount (₹) 50,39,210
Total Amount Payable (₹) 1,50,39,210

1 Cr Home Loan EMI for 15 Years

Equated Monthly Instalments (EMI in ₹)99,945
Principal Amount (₹)1,00,00,000
Interest Amount (₹) 79,90,076
Total Amount Payable (₹)1,79,90,076

1 Crore Home Loan EMI for 20 Years

Equated Monthly Instalments (EMI in ₹)88,371
Principal Amount (₹)1,00,00,000
Interest Amount (₹) 1,12,09,057
Total Amount Payable (₹)2,12,09,057

1 Crore Home Loan EMI for 25 Years

Equated Monthly Instalments (EMI in ₹)82,214
Principal Amount (₹)1,00,00,000
Interest Amount (₹) 1,46,64,309
Total Amount Payable (₹)2,46,64,309


Similarly, you can check 1 crore Home Loan EMI for 30 years using Axis Bank Home Loan EMI Calculator.

How can I apply for a Rs.1 crore Home Loan online at Axis Bank?

To initiate the online application for an Axis Bank Home Loan, follow these steps:

1. Verify your eligibility criteria before proceeding with the Home Loan application

2. Utilize the Home Loan Eligibility Calculator to assess your affordability

3. Visit the Axis Bank Home Loan page and click the "Apply Now" button

4. Complete the application form, providing necessary details (existing or new customer, name, mobile number, email ID, city, and state), then click on Submit

5. Expect a call from an Axis Bank representative for a detailed explanation of the product

6. Submit all required documents

7. Upon approval, submit property documents for verification

8. Receive approval within 15 days, subject to the availability of all necessary documents

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To be eligible for a Home Loan of Rs.1 crore:

  • Salaried employees (permanent government employees or those working in reputed private companies) should be aged 21 or older when applying and 65 or at the age of superannuation at loan maturity.
  • Professionals or self-employed individuals in the income-tax bracket (e.g., doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretaries, and management consultants) can also qualify for a Home Loan of Rs.1 crore, with an age limit of 21 at the time of application and 65 at loan maturity.
  • The bank considers factors such as annual income, number of dependents, employment status, existing assets, ongoing loan repayments, and credit score. It ensures that you can afford the Rs.1 crore lakh Home Loan EMI, and checks whether the combined EMIs on all your loans exceed 40% of your take-home pay.

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Rs.1 crore Home Loan Fees and Charges

  • For Home Loans a non-refundable processing fee of roughly 0.1% of the principal amount is charged. GST as applicable will be charged.

Documents required for Rs.1 crore Home Loan

  • Mandatory Documents- Application Form and PAN Card
  • Any one of the following for Identity Proof - Passport, Aadhaar Card, Driving License, Voter ID
  • Any one of the following for Proof of Address- Aadhdaar Card, Gas Bill, Driving License, Voter Id, Electricity Bill, Telephone Bill (Landline) Property Tax Receipt, Job Card by NREGA duly signed by an officer of the State Government, Letter issued by National Population Register confirming details of Name, Address, Photograph
  • Any one of the following for Date of Birth proof - Passport, PAN Card, Aadhaar Card with DOB, Driving License, Birth Certificate, SSC Marksheet
  • Any one of the following for Signature Proof - Passport, PAN Card, Banker’s verification, Notarized affidavit with ID and Address proof (not applicable for financial applicant)


Additional Documents for Salaried Individuals for Rs.1 crore Home Loan
Any one of the following for proof of income

  • 3 months pay slip
  • 6 months pay slip showing all deduction for variable income
  • 6 months bank statement showing salary credits
  • 2 years Form 16 (or employment continuity proof)

For NRI salaried

  • 3 months pay slip
  • Appointment letter/contract letter
  • Continuous Discharge Certificate for Shipping cases
  • 6 month Domestic NRE/NRO A/C statement
  • 6 months international Salary A/C statement
  • Overseas credit report
  • Valid visa copy/OCI card
  • Passport copy
  • POA details

Additional Documents for Self-employed Individuals for Rs.1 crore Home Loan

  • 2 years ITR, Computation of Income, P&L, Balance sheet with CA seal and sign
  • For Asha Home Loan - 1 year ITR, Computation of Income, P&L, Balance sheet with CA seal and sign
  • Tax Audit Report (required for individuals whose sales turnover exceed the norms stipulated by the Income Tax Act)
  • 6 months bank statements of personal and business accounts
  • If ITR is filed without digital sign - CPC and tax paid challan
  • Three years business continuity proof

Factors that affect interest rate applicable on a Rs.1 crore Home Loan

  • RBI’s repo rates – Since Home Loan rates are linked to the RBI’s repo rates, any change in the RBI’s rates will impact the Home Loan interest rate
  • Type of loan chosen – Whether it is a Floating Rate Home Loan or a Fixed Rate Home Loan will impact the interest rate. The interest rate on a Fixed Rate Home Loan is higher than a Floating Rate Home Loan
  • Your job profile and credit score also impact the interest rate. A borrower with a stable job and high credit score may get a Home Loan of Rs 40 lakh at a better rate of interest


Frequently Asked Questions

Having a credit score exceeding 750 is considered advantageous and improves the likelihood of loan approval.

No, documentation is essential, including KYC, income proof, and property details, along with stamp duty documents for the house you intend to purchase.

Ideally, your income should be 3-4 times the loan amount to ensure that managing the Rs 1 crore Home Loan EMI doesn't cause undue financial strain.



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