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 ₹35,841 a month
₹35,841 a month
for 20 years at 8.5% a year
- Loan amount
- ₹41,30,000
- Total interest
- ₹44,71,864
- Total repaid
- ₹86,01,864
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
- ₹41.3 L · 48%
- Interest
- ₹44.72 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹82,196 | ₹3,47,897 | ₹40,47,804 |
| 2 | ₹89,462 | ₹3,40,631 | ₹39,58,342 |
| 3 | ₹97,370 | ₹3,32,724 | ₹38,60,972 |
| 4 | ₹1,05,976 | ₹3,24,117 | ₹37,54,996 |
| 5 | ₹1,15,343 | ₹3,14,750 | ₹36,39,653 |
| 6 | ₹1,25,539 | ₹3,04,554 | ₹35,14,114 |
| 7 | ₹1,36,635 | ₹2,93,458 | ₹33,77,479 |
| 8 | ₹1,48,713 | ₹2,81,381 | ₹32,28,766 |
| 9 | ₹1,61,857 | ₹2,68,236 | ₹30,66,909 |
| 10 | ₹1,76,164 | ₹2,53,929 | ₹28,90,745 |
| 11 | ₹1,91,735 | ₹2,38,358 | ₹26,99,010 |
| 12 | ₹2,08,683 | ₹2,21,410 | ₹24,90,327 |
| 13 | ₹2,27,129 | ₹2,02,964 | ₹22,63,198 |
| 14 | ₹2,47,205 | ₹1,82,889 | ₹20,15,993 |
| 15 | ₹2,69,055 | ₹1,61,037 | ₹17,46,938 |
| 16 | ₹2,92,838 | ₹1,37,256 | ₹14,54,100 |
| 17 | ₹3,18,722 | ₹1,11,372 | ₹11,35,378 |
| 18 | ₹3,46,893 | ₹83,199 | ₹7,88,485 |
| 19 | ₹3,77,556 | ₹52,537 | ₹4,10,929 |
| 20 | ₹4,10,929 | ₹19,165 | ₹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