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 ₹35,494 a month
₹35,494 a month
for 20 years at 8.5% a year
- Loan amount
- ₹40,90,000
- Total interest
- ₹44,28,553
- Total repaid
- ₹85,18,553
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
- ₹40.9 L · 48%
- Interest
- ₹44.29 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹81,400 | ₹3,44,527 | ₹40,08,600 |
| 2 | ₹88,596 | ₹3,37,332 | ₹39,20,004 |
| 3 | ₹96,426 | ₹3,29,502 | ₹38,23,578 |
| 4 | ₹1,04,950 | ₹3,20,978 | ₹37,18,628 |
| 5 | ₹1,14,226 | ₹3,11,701 | ₹36,04,402 |
| 6 | ₹1,24,323 | ₹3,01,605 | ₹34,80,079 |
| 7 | ₹1,35,312 | ₹2,90,616 | ₹33,44,767 |
| 8 | ₹1,47,272 | ₹2,78,655 | ₹31,97,495 |
| 9 | ₹1,60,290 | ₹2,65,638 | ₹30,37,205 |
| 10 | ₹1,74,458 | ₹2,51,470 | ₹28,62,747 |
| 11 | ₹1,89,878 | ₹2,36,049 | ₹26,72,869 |
| 12 | ₹2,06,662 | ₹2,19,266 | ₹24,66,207 |
| 13 | ₹2,24,929 | ₹2,00,999 | ₹22,41,278 |
| 14 | ₹2,44,810 | ₹1,81,117 | ₹19,96,468 |
| 15 | ₹2,66,450 | ₹1,59,478 | ₹17,30,018 |
| 16 | ₹2,90,001 | ₹1,35,926 | ₹14,40,017 |
| 17 | ₹3,15,635 | ₹1,10,293 | ₹11,24,382 |
| 18 | ₹3,43,534 | ₹82,394 | ₹7,80,848 |
| 19 | ₹3,73,899 | ₹52,028 | ₹4,06,949 |
| 20 | ₹4,06,949 | ₹18,979 | ₹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