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LOANS · INDIA

India Home Loan EMI Calculator

Plan your home loan with confidence.

Free Calculator📅 FY 2025–26⚡ Instant results

Your details

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₹
%
years

♢ Your data stays in your browser.

Your monthly EMI

₹65,087 / month

Updated instantly from your inputs

Starting value

₹75,00,000

Estimated change

+₹74,34,913

Planning view

20-year loan

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Compare scenarios

Change one assumption at a time to understand the trade-off.

Understand your result

Clear context for the values above.

Principal

Principal is included so you can interpret this estimate and make a better-informed comparison.

Interest

Interest is included so you can interpret this estimate and make a better-informed comparison.

Amortisation

Amortisation is included so you can interpret this estimate and make a better-informed comparison.

Prepayment

Prepayment is included so you can interpret this estimate and make a better-informed comparison.

Explore this calculator

What your result means →The headline your monthly emi is based on the inputs currently shown above.Key terms explained →Review the assumptions, applicable rules, timing and real-world fees before making a decision.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard relationship between the displayed inputs. Results update whenever an input changes.Worked example →Using the current values produces ₹65,087 / month.Assumptions and limitations →Review the assumptions, applicable rules, timing and real-world fees before making a decision.Costs or factors not included →Review the assumptions, applicable rules, timing and real-world fees before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?

What your result means

A home-loan EMI combines principal and interest into a regular monthly payment. The result helps compare affordability, loan tenure and the total cost of borrowing.

The live result above currently shows ₹65,087 / month. Change the inputs and compare scenarios to see how sensitive the estimate is.

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How this calculator works

The calculator uses the standard reducing-balance EMI formula with the loan principal, monthly interest rate and total number of monthly payments.

The live result above currently shows ₹65,087 / month. Change the inputs and compare scenarios to see how sensitive the estimate is.

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Assumptions and factors not included

Processing fees, insurance, legal charges, rate resets, delayed payments and prepayment terms are not included unless explicitly entered. Floating-rate EMIs or tenure can change.

The live result above currently shows ₹65,087 / month. Change the inputs and compare scenarios to see how sensitive the estimate is.

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How to use the estimate

Keep room in your budget for ownership costs, compare lender APR-like total costs, test a higher-rate scenario, and examine whether affordable prepayments shorten the tenure.

The live result above currently shows ₹65,087 / month. Change the inputs and compare scenarios to see how sensitive the estimate is.

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Reviewed for clarityUpdated July 30, 2026

India-specific contextValues use Indian numbering and ₹ amounts.

Important noteFor planning and educational use.

Your privacy mattersInputs remain on your device.

Frequently asked questions

Why does a longer tenure cost more?+

A longer tenure lowers the monthly EMI but keeps the balance outstanding longer, increasing total interest.

Does a prepayment reduce EMI or tenure?+

Depending on lender instructions, it may reduce either. Reducing tenure usually saves more interest when the EMI is maintained.

Is the interest rate annual?+

Yes. The entered annual rate is converted to a monthly rate for the EMI formula.

Are registration and stamp duty included?+

No. Property purchase costs and lender charges should be budgeted separately.