{"id":5138,"date":"2026-02-19T19:00:00","date_gmt":"2026-02-19T13:30:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=5138"},"modified":"2026-02-19T17:57:28","modified_gmt":"2026-02-19T12:27:28","slug":"heres-how-just-paying-1-extra-emi-a-year-can-save-15-lakh-and-close-your-home-loan-5-years-early","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/heres-how-just-paying-1-extra-emi-a-year-can-save-15-lakh-and-close-your-home-loan-5-years-early\/","title":{"rendered":"Here&#8217;s How Just Paying 1 Extra EMI a Year Can Save \u20b915 Lakh and Close Your Home Loan 5 Years Early"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><strong>Synopsis<\/strong>: This article explains how home loan borrowers can save nearly <\/em>\u20b915 lakh in repayment and reduce home loan tenure by 5 years by just paying an additional EMI each year. It also covers the current home loan interest rates across public, private and housing finance companies.<\/p>\n<\/blockquote>\n\n\n\n<p>According to the Economic Survey 2025-26, India\u2019s housing finance market grew sharply in the past decade, with individual home loans rising from \u20b910 lakh crore in 2015 to over \u20b937 lakh crore by 2025, making it more than 11% of the country\u2019s GDP. <\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1254347028\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<p>At the same time, EMI burdens also increased with the rise in interest rates. But paying just one extra EMI in a year can actually reduce the years of your home loan and additionally save you lakhs in interest.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-one-extra-emi-makes-such-a-big-difference\" style=\"font-size:22px\"><strong>How One Extra EMI Makes Such a Big Difference?<\/strong><\/h2>\n\n\n\n<p>Home loans use the reducing balance method, so the interest is charged only on the outstanding principal. In the first few years of a long-term loan, a significant portion of each EMI paid goes toward interest instead of principal repayment. That\u2019s why borrowers often feel they\u2019ve been paying for years, but the loan amount hardly decreases. Hence, borrowers often feel the loan amount is not decreasing.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1695009483\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<p>When you pay an additional EMI in a year, that amount goes fully towards paying the principal amount. Even though it may seem small compared to the total loan amount, its impact is significant. It reduces the principal early, when interest has the biggest effect. Lower principal means less interest charged each month after that.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3453149797\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-example-50-lakh-home-loan-12-emis-vs-13-emis-a-year\" style=\"font-size:20px\"><strong>Example: \u20b950 Lakh Home Loan \u2014 12 EMIs vs 13 EMIs a Year<\/strong><\/h3>\n\n\n\n<p>For a borrower with a loan amount of \u20b950 lakh, an annual interest rate of 8.5%, and a tenure of 25 years, the monthly EMI is around \u20b940,300. The repayment can be done in two ways.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-scenario-1-paying-12-emis-a-year-regular-repayment\" style=\"font-size:18px\"><strong>Scenario 1: Paying 12 EMIs a Year (Regular Repayment)<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EMI paid in a year = \u20b940,300 * 12 = \u20b94.84 lakh<\/li>\n\n\n\n<li>Total EMI paid over 25 years = \u20b91.21 crore<\/li>\n\n\n\n<li>Total interest paid = \u20b971 lakh<\/li>\n\n\n\n<li>Time taken to close the loan = 25 years<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-scenario-2-paying-13-emis-a-year-one-extra-emi-annually\" style=\"font-size:18px\"><strong>Scenario 2: Paying 13 EMIs a Year (One Extra EMI Annually)<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EMI paid in a year = \u20b940,300 * 13 = \u20b95.24 lakh<\/li>\n\n\n\n<li>Total interest paid = \u20b956 lakh<\/li>\n\n\n\n<li>Time taken to close loan = ~20 years<\/li>\n<\/ul>\n\n\n<div id=\"footable_parent_5139\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"5139\" data-filter-delay=\"1000\" aria-label=\"Home loan - 1 - 1.csv\"            id=\"footable_5139\"\n           data-unique_identifier=\"ninja_table_unique_id_1708436182_5139\"\n           class=\" foo-table ninja_footable foo_table_5139 ninja_table_unique_id_1708436182_5139 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<p>As you can see, by paying an extra EMI every year, you can pay off your debt nearly five years sooner, and you can save \u20b915 lakh or more in interest without raising your regular monthly EMI.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1572197832\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-current-home-loan-rates-of-public-sector-banks\" style=\"font-size:22px\"><strong>Current Home Loan Rates of Public Sector Banks<\/strong><\/h2>\n\n\n<div id=\"footable_parent_5162\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_1\" data-footable_id=\"5162\" data-filter-delay=\"1000\" aria-label=\"Home loan. - 1.csv\"            id=\"footable_5162\"\n           data-unique_identifier=\"ninja_table_unique_id_556785759_5162\"\n           class=\" foo-table ninja_footable foo_table_5162 ninja_table_unique_id_556785759_5162 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-also-read-7-10-home-loan-check-these-banks-and-hfcs-offering-lowest-rates-in-february-2026\" style=\"font-size:18px\"><strong>Also Read: <a href=\"https:\/\/tradebrains.in\/money\/7-10-home-loan-check-these-banks-and-hfcs-offering-lowest-rates-in-february-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">7.10% Home Loan? Check These Banks and HFCs Offering Lowest Rates in February 2026<\/a><\/strong><\/h4>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-current-home-loan-rates-of-private-sector-banks\" style=\"font-size:22px\"><strong>Current Home Loan Rates of Private Sector Banks<\/strong><\/h2>\n\n\n<div id=\"footable_parent_5163\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_2\" data-footable_id=\"5163\" data-filter-delay=\"1000\" aria-label=\"Home loan.. - 1.csv\"            id=\"footable_5163\"\n           data-unique_identifier=\"ninja_table_unique_id_4211557595_5163\"\n           class=\" foo-table ninja_footable foo_table_5163 ninja_table_unique_id_4211557595_5163 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-current-home-loan-rates-of-housing-finance-companies-hfcs\" style=\"font-size:22px\"><strong>Current Home Loan Rates of Housing Finance Companies (HFCs)<\/strong><\/h2>\n\n\n<div id=\"footable_parent_5165\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_3\" data-footable_id=\"5165\" data-filter-delay=\"1000\" aria-label=\"Home loan... - 1.csv\"            id=\"footable_5165\"\n           data-unique_identifier=\"ninja_table_unique_id_1738518515_5165\"\n           class=\" foo-table ninja_footable foo_table_5165 ninja_table_unique_id_1738518515_5165 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>A home loan is often the largest financial commitment a person makes, lasting decades and costing far more than the initial borrowed amount due to interest. The example clearly shows that small, consistent changes in repayment habits can have a significant effect over time. In the end, managing a home loan isn\u2019t just about choosing the lowest interest rate. It\u2019s about how wisely you repay it.&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Written by Nila Maria Jacob<\/strong><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: This article explains how home loan borrowers can save nearly \u20b915 lakh in repayment and reduce home loan tenure by 5 years by just paying an additional EMI each year. It also covers the current home loan interest rates across public, private and housing finance companies. According to the Economic Survey 2025-26, India\u2019s housing [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":5171,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[854,14],"tags":[988,1862],"ppma_author":[1013],"class_list":["post-5138","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","category-trending","tag-home-loan","tag-home-loan-interest"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Here&#039;s How Just Paying 1 Extra EMI a Year Can Save \u20b915 Lakh and Close Your Home Loan 5 Years Early<\/title>\n<meta name=\"description\" content=\"According to the Economic Survey 2025-26, India\u2019s housing finance market grew sharply in the 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