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 ₹35,754 a month
₹35,754 a month
for 20 years at 8.5% a year
- Loan amount
- ₹41,20,000
- Total interest
- ₹44,61,036
- Total repaid
- ₹85,81,036
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
- ₹41.2 L · 48%
- Interest
- ₹44.61 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹81,997 | ₹3,47,054 | ₹40,38,003 |
| 2 | ₹89,246 | ₹3,39,807 | ₹39,48,757 |
| 3 | ₹97,133 | ₹3,31,918 | ₹38,51,624 |
| 4 | ₹1,05,720 | ₹3,23,332 | ₹37,45,904 |
| 5 | ₹1,15,064 | ₹3,13,988 | ₹36,30,840 |
| 6 | ₹1,25,235 | ₹3,03,817 | ₹35,05,605 |
| 7 | ₹1,36,304 | ₹2,92,747 | ₹33,69,301 |
| 8 | ₹1,48,353 | ₹2,80,700 | ₹32,20,948 |
| 9 | ₹1,61,465 | ₹2,67,586 | ₹30,59,483 |
| 10 | ₹1,75,738 | ₹2,53,315 | ₹28,83,745 |
| 11 | ₹1,91,271 | ₹2,37,780 | ₹26,92,474 |
| 12 | ₹2,08,177 | ₹2,20,874 | ₹24,84,297 |
| 13 | ₹2,26,579 | ₹2,02,473 | ₹22,57,718 |
| 14 | ₹2,46,606 | ₹1,82,446 | ₹20,11,112 |
| 15 | ₹2,68,404 | ₹1,60,648 | ₹17,42,708 |
| 16 | ₹2,92,129 | ₹1,36,923 | ₹14,50,579 |
| 17 | ₹3,17,950 | ₹1,11,102 | ₹11,32,629 |
| 18 | ₹3,46,054 | ₹82,998 | ₹7,86,575 |
| 19 | ₹3,76,641 | ₹52,410 | ₹4,09,934 |
| 20 | ₹4,09,934 | ₹19,118 | ₹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