Home Loan EMI Calculator
See your exact home loan EMI, total interest cost, and how much prepayments can save you.
Loan Eligibility Estimator
Rate Comparison
* EMI calculations are indicative. Actual EMI may vary based on the lender's terms, processing fees, and applicable charges. Interest rates are subject to change. Consult your bank for exact figures.
Home Loan EMI Calculator कसरी प्रयोग गर्ने
- 1
Enter the property value and your down payment percentage.
- 2
Set the home loan interest rate (check your bank's current rate).
- 3
Choose the loan tenure in years (5-30 years).
- 4
Optionally add processing fee and monthly prepayment amount.
- 5
View your monthly EMI, total payment, and interest breakdown.
- 6
Check the amortization schedule for year-by-year details.
- 7
Use the eligibility estimator to verify your loan capacity.
Home Loan EMI Calculator बारेमा
Here's a number that might shock you: on a ₹40 lakh home loan at 8.5% for 20 years, you'll pay about ₹41 lakh in interest alone — more than the loan itself. That's the hidden cost of a home loan, and this home loan EMI calculator makes sure you see it before you sign.
The prepayment trick most people miss
Even a small monthly prepayment of ₹5,000 on that ₹40 lakh loan can save you ₹8-10 lakh in interest and cut your tenure by 4-5 years. The calculator has a dedicated prepayment field — play with it and watch the interest savings add up. It's often smarter to prepay your home loan than to invest that money elsewhere (especially if your post-tax investment return is lower than your loan rate).
What this calculator covers
- EMI based on property value, down payment, rate, and tenure
- Processing fee estimation (typically 0.25-1% of loan amount)
- Year-by-year amortization — see how the principal vs. interest ratio shifts over time
- Rate comparison showing your EMI at ±0.5% and ±1% rate changes
- Loan eligibility estimator — enter your monthly income to see what banks might approve
Quick reference
Indian home loan rates currently range from about 8.25% to 9.5% depending on the lender, your credit score, loan amount, and property type. SBI and LIC HFL tend to be competitive for salaried borrowers. The general rule of thumb: your EMI shouldn't exceed 40% of your net monthly income — banks use this as a rough eligibility check.