Home loan EMI calculator
See what a home would cost you each month. Enter the price and what you can put down; change the rate and tenure to compare.
Your monthly EMI
EMI ₹41,482 a month
₹41,482 a month
for 20 years at 8.5% a year
- Loan amount
- ₹47,80,000
- Total interest
- ₹51,75,668
- Total repaid
- ₹99,55,668
Larger than a lender can give. Lenders may finance at most 80% of a ₹50 L home (₹40 L), so the down payment would need to be at least ₹10,00,000.
- Principal
- ₹47.8 L · 48%
- Interest
- ₹51.76 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹95,133 | ₹4,02,650 | ₹46,84,867 |
| 2 | ₹1,03,542 | ₹3,94,242 | ₹45,81,325 |
| 3 | ₹1,12,694 | ₹3,85,089 | ₹44,68,631 |
| 4 | ₹1,22,655 | ₹3,75,129 | ₹43,45,976 |
| 5 | ₹1,33,497 | ₹3,64,286 | ₹42,12,479 |
| 6 | ₹1,45,296 | ₹3,52,487 | ₹40,67,183 |
| 7 | ₹1,58,140 | ₹3,39,644 | ₹39,09,043 |
| 8 | ₹1,72,117 | ₹3,25,666 | ₹37,36,926 |
| 9 | ₹1,87,332 | ₹3,10,452 | ₹35,49,594 |
| 10 | ₹2,03,889 | ₹2,93,894 | ₹33,45,705 |
| 11 | ₹2,21,912 | ₹2,75,872 | ₹31,23,793 |
| 12 | ₹2,41,526 | ₹2,56,256 | ₹28,82,267 |
| 13 | ₹2,62,876 | ₹2,34,908 | ₹26,19,391 |
| 14 | ₹2,86,111 | ₹2,11,673 | ₹23,33,280 |
| 15 | ₹3,11,401 | ₹1,86,382 | ₹20,21,879 |
| 16 | ₹3,38,925 | ₹1,58,858 | ₹16,82,954 |
| 17 | ₹3,68,884 | ₹1,28,900 | ₹13,14,070 |
| 18 | ₹4,01,490 | ₹96,294 | ₹9,12,580 |
| 19 | ₹4,36,977 | ₹60,805 | ₹4,75,603 |
| 20 | ₹4,75,603 | ₹22,181 | ₹0 |
An estimate, rounded to the nearest rupee. Processing fees, insurance and prepayments are not included, and a lender's own schedule may differ slightly.
See homes up to ₹50 L in Kolkata