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 ₹35,060 a month
₹35,060 a month
for 20 years at 8.5% a year
- Loan amount
- ₹40,40,000
- Total interest
- ₹43,74,414
- Total repaid
- ₹84,14,414
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
- ₹40.4 L · 48%
- Interest
- ₹43.74 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹80,405 | ₹3,40,315 | ₹39,59,595 |
| 2 | ₹87,513 | ₹3,33,209 | ₹38,72,082 |
| 3 | ₹95,247 | ₹3,25,473 | ₹37,76,835 |
| 4 | ₹1,03,667 | ₹3,17,054 | ₹36,73,168 |
| 5 | ₹1,12,830 | ₹3,07,891 | ₹35,60,338 |
| 6 | ₹1,22,803 | ₹2,97,917 | ₹34,37,535 |
| 7 | ₹1,33,657 | ₹2,87,063 | ₹33,03,878 |
| 8 | ₹1,45,472 | ₹2,75,249 | ₹31,58,406 |
| 9 | ₹1,58,330 | ₹2,62,391 | ₹30,00,076 |
| 10 | ₹1,72,326 | ₹2,48,395 | ₹28,27,750 |
| 11 | ₹1,87,557 | ₹2,33,164 | ₹26,40,193 |
| 12 | ₹2,04,135 | ₹2,16,585 | ₹24,36,058 |
| 13 | ₹2,22,179 | ₹1,98,542 | ₹22,13,879 |
| 14 | ₹2,41,818 | ₹1,78,903 | ₹19,72,061 |
| 15 | ₹2,63,192 | ₹1,57,528 | ₹17,08,869 |
| 16 | ₹2,86,456 | ₹1,34,265 | ₹14,22,413 |
| 17 | ₹3,11,777 | ₹1,08,944 | ₹11,10,636 |
| 18 | ₹3,39,334 | ₹81,387 | ₹7,71,302 |
| 19 | ₹3,69,328 | ₹51,392 | ₹4,01,974 |
| 20 | ₹4,01,974 | ₹18,747 | ₹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