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 ₹36,015 a month
₹36,015 a month
for 20 years at 8.5% a year
- Loan amount
- ₹41,50,000
- Total interest
- ₹44,93,519
- Total repaid
- ₹86,43,519
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
- ₹41.5 L · 48%
- Interest
- ₹44.94 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹82,595 | ₹3,49,581 | ₹40,67,405 |
| 2 | ₹89,895 | ₹3,42,281 | ₹39,77,510 |
| 3 | ₹97,841 | ₹3,34,335 | ₹38,79,669 |
| 4 | ₹1,06,489 | ₹3,25,687 | ₹37,73,180 |
| 5 | ₹1,15,902 | ₹3,16,274 | ₹36,57,278 |
| 6 | ₹1,26,147 | ₹3,06,029 | ₹35,31,131 |
| 7 | ₹1,37,296 | ₹2,94,879 | ₹33,93,835 |
| 8 | ₹1,49,433 | ₹2,82,744 | ₹32,44,402 |
| 9 | ₹1,62,641 | ₹2,69,535 | ₹30,81,761 |
| 10 | ₹1,77,017 | ₹2,55,158 | ₹29,04,744 |
| 11 | ₹1,92,664 | ₹2,39,512 | ₹27,12,080 |
| 12 | ₹2,09,694 | ₹2,22,483 | ₹25,02,386 |
| 13 | ₹2,28,228 | ₹2,03,947 | ₹22,74,158 |
| 14 | ₹2,48,402 | ₹1,83,774 | ₹20,25,756 |
| 15 | ₹2,70,359 | ₹1,61,818 | ₹17,55,397 |
| 16 | ₹2,94,255 | ₹1,37,920 | ₹14,61,142 |
| 17 | ₹3,20,265 | ₹1,11,911 | ₹11,40,877 |
| 18 | ₹3,48,574 | ₹83,602 | ₹7,92,303 |
| 19 | ₹3,79,384 | ₹52,792 | ₹4,12,919 |
| 20 | ₹4,12,919 | ₹19,257 | ₹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