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 ₹36,969 a month
₹36,969 a month
for 20 years at 8.5% a year
- Loan amount
- ₹42,60,000
- Total interest
- ₹46,12,625
- Total repaid
- ₹88,72,625
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
- ₹42.6 L · 48%
- Interest
- ₹46.13 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹84,784 | ₹3,58,847 | ₹41,75,216 |
| 2 | ₹92,278 | ₹3,51,354 | ₹40,82,938 |
| 3 | ₹1,00,434 | ₹3,43,197 | ₹39,82,504 |
| 4 | ₹1,09,312 | ₹3,34,319 | ₹38,73,192 |
| 5 | ₹1,18,974 | ₹3,24,657 | ₹37,54,218 |
| 6 | ₹1,29,490 | ₹3,14,141 | ₹36,24,728 |
| 7 | ₹1,40,936 | ₹3,02,695 | ₹34,83,792 |
| 8 | ₹1,53,394 | ₹2,90,238 | ₹33,30,398 |
| 9 | ₹1,66,952 | ₹2,76,679 | ₹31,63,446 |
| 10 | ₹1,81,709 | ₹2,61,922 | ₹29,81,737 |
| 11 | ₹1,97,771 | ₹2,45,861 | ₹27,83,966 |
| 12 | ₹2,15,251 | ₹2,28,379 | ₹25,68,715 |
| 13 | ₹2,34,278 | ₹2,09,354 | ₹23,34,437 |
| 14 | ₹2,54,987 | ₹1,88,645 | ₹20,79,450 |
| 15 | ₹2,77,524 | ₹1,66,106 | ₹18,01,926 |
| 16 | ₹3,02,055 | ₹1,41,577 | ₹14,99,871 |
| 17 | ₹3,28,754 | ₹1,14,877 | ₹11,71,117 |
| 18 | ₹3,57,813 | ₹85,818 | ₹8,13,304 |
| 19 | ₹3,89,441 | ₹54,191 | ₹4,23,863 |
| 20 | ₹4,23,863 | ₹19,768 | ₹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