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 ₹35,668 a month
₹35,668 a month
for 20 years at 8.5% a year
- Loan amount
- ₹41,10,000
- Total interest
- ₹44,50,208
- Total repaid
- ₹85,60,208
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
- ₹41.1 L · 48%
- Interest
- ₹44.5 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹81,798 | ₹3,46,212 | ₹40,28,202 |
| 2 | ₹89,029 | ₹3,38,982 | ₹39,39,173 |
| 3 | ₹96,898 | ₹3,31,112 | ₹38,42,275 |
| 4 | ₹1,05,463 | ₹3,22,548 | ₹37,36,812 |
| 5 | ₹1,14,785 | ₹3,13,225 | ₹36,22,027 |
| 6 | ₹1,24,931 | ₹3,03,080 | ₹34,97,096 |
| 7 | ₹1,35,973 | ₹2,92,037 | ₹33,61,123 |
| 8 | ₹1,47,992 | ₹2,80,018 | ₹32,13,131 |
| 9 | ₹1,61,074 | ₹2,66,937 | ₹30,52,057 |
| 10 | ₹1,75,311 | ₹2,52,699 | ₹28,76,746 |
| 11 | ₹1,90,807 | ₹2,37,204 | ₹26,85,939 |
| 12 | ₹2,07,672 | ₹2,20,338 | ₹24,78,267 |
| 13 | ₹2,26,029 | ₹2,01,981 | ₹22,52,238 |
| 14 | ₹2,46,008 | ₹1,82,003 | ₹20,06,230 |
| 15 | ₹2,67,752 | ₹1,60,258 | ₹17,38,478 |
| 16 | ₹2,91,420 | ₹1,36,591 | ₹14,47,058 |
| 17 | ₹3,17,178 | ₹1,10,832 | ₹11,29,880 |
| 18 | ₹3,45,214 | ₹82,797 | ₹7,84,666 |
| 19 | ₹3,75,727 | ₹52,283 | ₹4,08,939 |
| 20 | ₹4,08,939 | ₹19,071 | ₹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