Insights & Tools
Home Loan EMI Calculator
Move the sliders to see your monthly instalment and the full principal-vs-interest break-up. Nothing here is tied to a property; enter whatever loan you are weighing up.
Loan & EMI Calculator
₹50 L
8.50% p.a.
20 years
Monthly EMI
₹43,391
- Principal
- ₹50 L
- Total interest
- ₹54.1 L
- Total payable
- ₹1.04 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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