Calculators
Plan your loanbefore you apply
Work out EMIs, eligibility and prepayment savings for any loan before you apply.
Set up for a home loan. Adjust the sliders to match your offer.
Monthly EMI
₹26,511
for 240 months
- Principal
- ₹30,00,000
- Total interest
- ₹33,62,717
- Total payable
- ₹63,62,717
For illustration only. Your actual EMI depends on the rate and tenure the lender offers you.
Yearly repayment schedule
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| 1 | ₹57,922 | ₹2,60,214 | ₹29,42,078 |
| 2 | ₹63,199 | ₹2,54,937 | ₹28,78,879 |
| 3 | ₹68,956 | ₹2,49,180 | ₹28,09,923 |
| 4 | ₹75,237 | ₹2,42,898 | ₹27,34,686 |
| 5 | ₹82,091 | ₹2,36,045 | ₹26,52,595 |
| 6 | ₹89,569 | ₹2,28,566 | ₹25,63,025 |
| 7 | ₹97,729 | ₹2,20,407 | ₹24,65,296 |
| 8 | ₹1,06,631 | ₹2,11,504 | ₹23,58,665 |
| 9 | ₹1,16,345 | ₹2,01,791 | ₹22,42,320 |
| 10 | ₹1,26,944 | ₹1,91,192 | ₹21,15,376 |
| 11 | ₹1,38,508 | ₹1,79,628 | ₹19,76,868 |
| 12 | ₹1,51,125 | ₹1,67,011 | ₹18,25,743 |
| 13 | ₹1,64,892 | ₹1,53,244 | ₹16,60,851 |
| 14 | ₹1,79,913 | ₹1,38,223 | ₹14,80,938 |
| 15 | ₹1,96,302 | ₹1,21,833 | ₹12,84,635 |
| 16 | ₹2,14,185 | ₹1,03,951 | ₹10,70,451 |
| 17 | ₹2,33,696 | ₹84,440 | ₹8,36,755 |
| 18 | ₹2,54,985 | ₹63,151 | ₹5,81,770 |
| 19 | ₹2,78,213 | ₹39,923 | ₹3,03,557 |
| 20 | ₹3,03,557 | ₹14,579 | ₹0 |
Estimated maximum loan
₹33,94,776
- EMI you can afford
- ₹30,000
- EMI on this amount
- ₹30,000
An estimate assuming lenders allow up to 50% of your net income towards EMIs. Lenders also consider your credit score, employer and other factors.
Interest you save
₹9,18,211
Loan ends 3 yr 9 mo earlier
- Current EMI
- ₹26,511
- Tenure
- 240 → 195 months
- Interest without prepayment
- ₹33,62,717
- Interest with prepayment
- ₹24,44,506
For illustration only. Floating rate home loans to individuals have no prepayment charge; personal and fixed rate loans may charge a fee.
GST rate
Total with GST
₹11,800
- Amount before GST
- ₹10,000
- GST at 18%
- ₹1,800
- CGST (9%) + SGST (9%)
- ₹900 + ₹900
- Total
- ₹11,800
Within a state, GST is split equally into CGST and SGST. Between states, the full amount is charged as IGST.
How the EMI is calculated
EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100) and n is the tenure in months.