Calculators
Plan your loanbefore you apply
Work out EMIs, eligibility and prepayment savings for any loan before you apply.
Set up for a loan against property. Adjust the sliders to match your offer.
Monthly EMI
₹32,693
for 120 months
- Principal
- ₹25,00,000
- Total interest
- ₹14,23,107
- Total payable
- ₹39,23,107
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 | ₹1,55,383 | ₹2,36,928 | ₹23,44,617 |
| 2 | ₹1,71,228 | ₹2,21,083 | ₹21,73,389 |
| 3 | ₹1,88,690 | ₹2,03,621 | ₹19,84,700 |
| 4 | ₹2,07,932 | ₹1,84,379 | ₹17,76,768 |
| 5 | ₹2,29,136 | ₹1,63,175 | ₹15,47,632 |
| 6 | ₹2,52,502 | ₹1,39,808 | ₹12,95,130 |
| 7 | ₹2,78,252 | ₹1,14,059 | ₹10,16,878 |
| 8 | ₹3,06,627 | ₹85,683 | ₹7,10,250 |
| 9 | ₹3,37,896 | ₹54,414 | ₹3,72,354 |
| 10 | ₹3,72,354 | ₹19,957 | ₹0 |
Estimated maximum loan
₹22,94,100
- 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
₹2,61,970
Loan ends 1 yr 3 mo earlier
- Current EMI
- ₹32,693
- Tenure
- 120 → 105 months
- Interest without prepayment
- ₹14,23,107
- Interest with prepayment
- ₹11,61,138
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.