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 ₹36,535 a month
₹36,535 a month
for 20 years at 8.5% a year
- Loan amount
- ₹42,10,000
- Total interest
- ₹45,58,486
- Total repaid
- ₹87,68,486
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
- ₹42.1 L · 48%
- Interest
- ₹45.58 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹83,789 | ₹3,54,636 | ₹41,26,211 |
| 2 | ₹91,194 | ₹3,47,229 | ₹40,35,017 |
| 3 | ₹99,256 | ₹3,39,169 | ₹39,35,761 |
| 4 | ₹1,08,029 | ₹3,30,395 | ₹38,27,732 |
| 5 | ₹1,17,578 | ₹3,20,847 | ₹37,10,154 |
| 6 | ₹1,27,970 | ₹3,10,454 | ₹35,82,184 |
| 7 | ₹1,39,282 | ₹2,99,142 | ₹34,42,902 |
| 8 | ₹1,51,593 | ₹2,86,831 | ₹32,91,309 |
| 9 | ₹1,64,993 | ₹2,73,432 | ₹31,26,316 |
| 10 | ₹1,79,576 | ₹2,58,848 | ₹29,46,740 |
| 11 | ₹1,95,449 | ₹2,42,975 | ₹27,51,291 |
| 12 | ₹2,12,726 | ₹2,25,699 | ₹25,38,565 |
| 13 | ₹2,31,528 | ₹2,06,896 | ₹23,07,037 |
| 14 | ₹2,51,993 | ₹1,86,431 | ₹20,55,044 |
| 15 | ₹2,74,267 | ₹1,64,157 | ₹17,80,777 |
| 16 | ₹2,98,510 | ₹1,39,914 | ₹14,82,267 |
| 17 | ₹3,24,896 | ₹1,13,529 | ₹11,57,371 |
| 18 | ₹3,53,613 | ₹84,811 | ₹8,03,758 |
| 19 | ₹3,84,870 | ₹53,555 | ₹4,18,888 |
| 20 | ₹4,18,888 | ₹19,536 | ₹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