Insights & Tools
Home Loan EMI Calculator
Move the sliders to see your monthly instalment and the full principal-vs-interest break-up. Defaults assume an 80% loan on a ₹1 Cr home.
Loan & EMI Calculator
₹80 L
8.50% p.a.
20 years
Monthly EMI
₹69,426
- Principal
- ₹80 L
- Total interest
- ₹86.6 L
- Total payable
- ₹1.67 Cr
Indicative only — final rates depend on your lender and credit profile.
Rate beats tenure
A 0.5% lower interest rate typically saves more than shortening the tenure by two years — negotiate the rate first.
Keep EMI under 40%
Lenders (and healthy budgets) prefer your EMI below 40% of monthly take-home income.
Prepay early, not late
Interest is front-loaded — part-prepayments in the first third of the tenure cut total interest the most.
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