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 ₹36,709 a month
₹36,709 a month
for 20 years at 8.5% a year
- Loan amount
- ₹42,30,000
- Total interest
- ₹45,80,141
- Total repaid
- ₹88,10,141
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
- ₹42.3 L · 48%
- Interest
- ₹45.8 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹84,187 | ₹3,56,320 | ₹41,45,813 |
| 2 | ₹91,628 | ₹3,48,879 | ₹40,54,185 |
| 3 | ₹99,727 | ₹3,40,780 | ₹39,54,458 |
| 4 | ₹1,08,542 | ₹3,31,965 | ₹38,45,916 |
| 5 | ₹1,18,136 | ₹3,22,371 | ₹37,27,780 |
| 6 | ₹1,28,579 | ₹3,11,929 | ₹35,99,201 |
| 7 | ₹1,39,943 | ₹3,00,563 | ₹34,59,258 |
| 8 | ₹1,52,313 | ₹2,88,194 | ₹33,06,945 |
| 9 | ₹1,65,777 | ₹2,74,731 | ₹31,41,168 |
| 10 | ₹1,80,429 | ₹2,60,077 | ₹29,60,739 |
| 11 | ₹1,96,378 | ₹2,44,130 | ₹27,64,361 |
| 12 | ₹2,13,736 | ₹2,26,771 | ₹25,50,625 |
| 13 | ₹2,32,628 | ₹2,07,879 | ₹23,17,997 |
| 14 | ₹2,53,191 | ₹1,87,316 | ₹20,64,806 |
| 15 | ₹2,75,570 | ₹1,64,937 | ₹17,89,236 |
| 16 | ₹2,99,928 | ₹1,40,579 | ₹14,89,308 |
| 17 | ₹3,26,439 | ₹1,14,069 | ₹11,62,869 |
| 18 | ₹3,55,293 | ₹85,214 | ₹8,07,576 |
| 19 | ₹3,86,698 | ₹53,809 | ₹4,20,878 |
| 20 | ₹4,20,878 | ₹19,628 | ₹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