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 ₹35,320 a month
₹35,320 a month
for 20 years at 8.5% a year
- Loan amount
- ₹40,70,000
- Total interest
- ₹44,06,897
- Total repaid
- ₹84,76,897
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
- ₹40.7 L · 48%
- Interest
- ₹44.07 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹81,002 | ₹3,42,843 | ₹39,88,998 |
| 2 | ₹88,163 | ₹3,35,682 | ₹39,00,835 |
| 3 | ₹95,954 | ₹3,27,890 | ₹38,04,881 |
| 4 | ₹1,04,437 | ₹3,19,409 | ₹37,00,444 |
| 5 | ₹1,13,668 | ₹3,10,177 | ₹35,86,776 |
| 6 | ₹1,23,715 | ₹3,00,130 | ₹34,63,061 |
| 7 | ₹1,34,650 | ₹2,89,194 | ₹33,28,411 |
| 8 | ₹1,46,552 | ₹2,77,293 | ₹31,81,859 |
| 9 | ₹1,59,506 | ₹2,64,339 | ₹30,22,353 |
| 10 | ₹1,73,604 | ₹2,50,240 | ₹28,48,749 |
| 11 | ₹1,88,950 | ₹2,34,895 | ₹26,59,799 |
| 12 | ₹2,05,652 | ₹2,18,194 | ₹24,54,147 |
| 13 | ₹2,23,829 | ₹2,00,016 | ₹22,30,318 |
| 14 | ₹2,43,613 | ₹1,80,231 | ₹19,86,705 |
| 15 | ₹2,65,147 | ₹1,58,698 | ₹17,21,558 |
| 16 | ₹2,88,583 | ₹1,35,262 | ₹14,32,975 |
| 17 | ₹3,14,091 | ₹1,09,754 | ₹11,18,884 |
| 18 | ₹3,41,854 | ₹81,990 | ₹7,77,030 |
| 19 | ₹3,72,071 | ₹51,774 | ₹4,04,959 |
| 20 | ₹4,04,959 | ₹18,886 | ₹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