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 ₹37,837 a month
₹37,837 a month
for 20 years at 8.5% a year
- Loan amount
- ₹43,60,000
- Total interest
- ₹47,20,902
- Total repaid
- ₹90,80,902
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
- ₹43.6 L · 48%
- Interest
- ₹47.21 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹86,774 | ₹3,67,271 | ₹42,73,226 |
| 2 | ₹94,444 | ₹3,59,601 | ₹41,78,782 |
| 3 | ₹1,02,792 | ₹3,51,253 | ₹40,75,990 |
| 4 | ₹1,11,878 | ₹3,42,168 | ₹39,64,112 |
| 5 | ₹1,21,767 | ₹3,32,278 | ₹38,42,345 |
| 6 | ₹1,32,530 | ₹3,21,515 | ₹37,09,815 |
| 7 | ₹1,44,244 | ₹3,09,801 | ₹35,65,571 |
| 8 | ₹1,56,995 | ₹2,97,050 | ₹34,08,576 |
| 9 | ₹1,70,871 | ₹2,83,174 | ₹32,37,705 |
| 10 | ₹1,85,974 | ₹2,68,071 | ₹30,51,731 |
| 11 | ₹2,02,413 | ₹2,51,632 | ₹28,49,318 |
| 12 | ₹2,20,305 | ₹2,33,740 | ₹26,29,013 |
| 13 | ₹2,39,778 | ₹2,14,268 | ₹23,89,235 |
| 14 | ₹2,60,971 | ₹1,93,073 | ₹21,28,264 |
| 15 | ₹2,84,039 | ₹1,70,006 | ₹18,44,225 |
| 16 | ₹3,09,146 | ₹1,44,900 | ₹15,35,079 |
| 17 | ₹3,36,471 | ₹1,17,574 | ₹11,98,608 |
| 18 | ₹3,66,213 | ₹87,832 | ₹8,32,395 |
| 19 | ₹3,98,582 | ₹55,463 | ₹4,33,813 |
| 20 | ₹4,33,813 | ₹20,232 | ₹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