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 ₹41,135 a month
₹41,135 a month
for 20 years at 8.5% a year
- Loan amount
- ₹47,40,000
- Total interest
- ₹51,32,357
- Total repaid
- ₹98,72,357
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
- ₹47.4 L · 48%
- Interest
- ₹51.32 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹94,337 | ₹3,99,281 | ₹46,45,663 |
| 2 | ₹1,02,675 | ₹3,90,942 | ₹45,42,988 |
| 3 | ₹1,11,751 | ₹3,81,867 | ₹44,31,237 |
| 4 | ₹1,21,629 | ₹3,71,989 | ₹43,09,608 |
| 5 | ₹1,32,380 | ₹3,61,239 | ₹41,77,228 |
| 6 | ₹1,44,080 | ₹3,49,537 | ₹40,33,148 |
| 7 | ₹1,56,816 | ₹3,36,802 | ₹38,76,332 |
| 8 | ₹1,70,678 | ₹3,22,940 | ₹37,05,654 |
| 9 | ₹1,85,763 | ₹3,07,854 | ₹35,19,891 |
| 10 | ₹2,02,184 | ₹2,91,435 | ₹33,17,707 |
| 11 | ₹2,20,054 | ₹2,73,563 | ₹30,97,653 |
| 12 | ₹2,39,506 | ₹2,54,112 | ₹28,58,147 |
| 13 | ₹2,60,675 | ₹2,32,943 | ₹25,97,472 |
| 14 | ₹2,83,717 | ₹2,09,901 | ₹23,13,755 |
| 15 | ₹3,08,795 | ₹1,84,823 | ₹20,04,960 |
| 16 | ₹3,36,090 | ₹1,57,528 | ₹16,68,870 |
| 17 | ₹3,65,797 | ₹1,27,821 | ₹13,03,073 |
| 18 | ₹3,98,129 | ₹95,488 | ₹9,04,944 |
| 19 | ₹4,33,321 | ₹60,297 | ₹4,71,623 |
| 20 | ₹4,71,623 | ₹21,995 | ₹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