At 10.5% a year, a ₹5 crore loan costs about ₹5,52,699 a month over 15 years and ₹6,74,675 over 10 years. JR Loan Advisors in Chennai uses this table to plan ₹5 crore+ property and rent-backed loans.
₹5 crore loan EMI table (example rates)
The rates below are examples only, not offers. Your rate depends on the lender, the property and your file.
| Tenure | At 9.5% | At 10.5% | At 11.5% |
|---|---|---|---|
| 5 years | ₹10,50,093 | ₹10,74,695 | ₹10,99,630 |
| 10 years | ₹6,46,988 | ₹6,74,675 | ₹7,02,977 |
| 15 years | ₹5,22,112 | ₹5,52,699 | ₹5,84,095 |
| 20 years | ₹4,66,066 | ₹4,99,190 | ₹5,33,215 |
| 25 years | ₹4,36,848 | ₹4,72,091 | ₹5,08,234 |
| 30 years | ₹4,20,427 | ₹4,57,370 | ₹4,95,146 |
Total interest over 15 years at 10.5% is about ₹4.9 crore. Check your own numbers in the EMI calculator.
How is EMI worked out?
EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1)
- P = loan amount (₹5,00,00,000)
- r = yearly rate ÷ 12 ÷ 100 (10.5% gives 0.00875)
- n = number of months (15 years = 180)
Which tenure can a ₹5 crore business loan get?
- Loan against property: often up to 15 years for business owners.
- LRD (rent-backed loan): usually no longer than the lease lock-in left.
- Commercial property purchase: often 10 to 15 years.
Long 25 to 30 year tenures are mostly for home loans to salaried buyers.
How much monthly cash does a bank want to see?
Many banks like your cash profit to cover the EMI at least 1.25 times (see DSCR explained). For a 15-year ₹5 crore loan at 10.5%, that means about ₹6,90,874 of cash profit a month.
A 0.5% higher rate (11% instead of 10.5%) adds about ₹15,599 to the 15-year EMI.
EMI for ₹10 crore, ₹50 crore and ₹100 crore loans
At 10.5% over 15 years: ₹10 crore costs about ₹11,05,399 a month, ₹50 crore about ₹55,26,995, and ₹100 crore about ₹1,10,53,989.
100 crore loan kaise le? Itna bada loan property, kiraya (rent) ya business cash flow ke against milta hai. Bank 3 saal ke audited accounts, CMA data aur property papers dekhta hai.
Where do rates come from?
Most floating business loans move with the RBI repo rate or the bank’s own benchmark. See today’s ranges on our Chennai LAP and LRD rate tracker.
Want this worked out on your own file? WhatsApp +91 94450 93336.
Written and reviewed by CA Jitendraa Rathi, Chartered Accountant (CA membership number 217936) · Ex-banker, 20 years of experience in credit and lending · LinkedInLast reviewed · Expert review: CA Jitendraa Rathi (ICAI 217936)