Home Loan EMI Calculator – Plan Your EMIs Easily
These calculators are provided as general self-help financial planning tools. The results depend on the values and assumptions you enter. We do not guarantee the accuracy or applicability of the results to your personal financial situation. NRIs should enter their net income while calculating eligibility.
Home Loan Amount
Interest Rate (p.a)
Tenure (Years)
Processing Fee (%)
Annual Prepayment (₹)
Total Cost (incl. processing fee):
₹ 64,19,151 L
Processing Fee: ₹ 30,000 K
EMI Based on Interest Rate Scenarios (no prepayment)
₹ 0
Low (0.00%)
₹ 0
Medium (0.00%)
₹ 0
High (0.00%)
Year-wise Summary
| Year | Opening | Principal | Interest | Closing |
|---|---|---|---|---|
| Y-1 | ₹ 30,00,000 L | ₹ 57,919 K | ₹ 2,60,213 L | ₹ 29,42,082 L |
| Y-2 | ₹ 29,42,082 L | ₹ 63,192 K | ₹ 2,54,940 L | ₹ 28,78,887 L |
| Y-3 | ₹ 28,78,887 L | ₹ 68,950 K | ₹ 2,49,182 L | ₹ 28,09,936 L |
| Y-4 | ₹ 28,09,936 L | ₹ 75,233 K | ₹ 2,42,899 L | ₹ 27,34,704 L |
| Y-5 | ₹ 27,34,704 L | ₹ 82,085 K | ₹ 2,36,047 L | ₹ 26,52,619 L |
| Y-6 | ₹ 26,52,619 L | ₹ 89,561 K | ₹ 2,28,571 L | ₹ 25,63,056 L |
| Y-7 | ₹ 25,63,056 L | ₹ 97,722 K | ₹ 2,20,410 L | ₹ 24,65,334 L |
| Y-8 | ₹ 24,65,334 L | ₹ 1,06,625 L | ₹ 2,11,507 L | ₹ 23,58,709 L |
| Y-9 | ₹ 23,58,709 L | ₹ 1,16,337 L | ₹ 2,01,795 L | ₹ 22,42,372 L |
| Y-10 | ₹ 22,42,372 L | ₹ 1,26,933 L | ₹ 1,91,199 L | ₹ 21,15,437 L |
| Y-11 | ₹ 21,15,437 L | ₹ 1,38,497 L | ₹ 1,79,635 L | ₹ 19,76,939 L |
| Y-12 | ₹ 19,76,939 L | ₹ 1,51,114 L | ₹ 1,67,018 L | ₹ 18,25,824 L |
| Y-13 | ₹ 18,25,824 L | ₹ 1,64,881 L | ₹ 1,53,251 L | ₹ 16,60,944 L |
| Y-14 | ₹ 16,60,944 L | ₹ 1,79,902 L | ₹ 1,38,230 L | ₹ 14,81,043 L |
| Y-15 | ₹ 14,81,043 L | ₹ 1,96,289 L | ₹ 1,21,843 L | ₹ 12,84,754 L |
| Y-16 | ₹ 12,84,754 L | ₹ 2,14,169 L | ₹ 1,03,963 L | ₹ 10,70,584 L |
| Y-17 | ₹ 10,70,584 L | ₹ 2,33,681 L | ₹ 84,451 K | ₹ 8,36,905 L |
| Y-18 | ₹ 8,36,905 L | ₹ 2,54,967 L | ₹ 63,165 K | ₹ 5,81,937 L |
| Y-19 | ₹ 5,81,937 L | ₹ 2,78,192 L | ₹ 39,940 K | ₹ 3,03,744 L |
| Y-20 | ₹ 3,03,744 L | ₹ 3,03,537 L | ₹ 14,595 K | ₹ 208 |
| Y-21 | ₹ 208 | ₹ 208 | ₹ 2 | ₹ 0 |