Calculators
Plan your loanbefore you apply
Work out EMIs, eligibility and prepayment savings for any loan before you apply.
Set up for a mortgage loan. Adjust the sliders to match your offer.
Monthly EMI
₹52,211
for 180 months
- Principal
- ₹50,00,000
- Total interest
- ₹43,98,022
- Total payable
- ₹93,98,022
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 | ₹1,58,310 | ₹4,68,225 | ₹48,41,690 |
| 2 | ₹1,74,022 | ₹4,52,513 | ₹46,67,668 |
| 3 | ₹1,91,293 | ₹4,35,241 | ₹44,76,374 |
| 4 | ₹2,10,279 | ₹4,16,256 | ₹42,66,096 |
| 5 | ₹2,31,148 | ₹3,95,386 | ₹40,34,947 |
| 6 | ₹2,54,089 | ₹3,72,446 | ₹37,80,858 |
| 7 | ₹2,79,307 | ₹3,47,228 | ₹35,01,551 |
| 8 | ₹3,07,028 | ₹3,19,507 | ₹31,94,524 |
| 9 | ₹3,37,499 | ₹2,89,035 | ₹28,57,024 |
| 10 | ₹3,70,995 | ₹2,55,539 | ₹24,86,029 |
| 11 | ₹4,07,816 | ₹2,18,719 | ₹20,78,213 |
| 12 | ₹4,48,290 | ₹1,78,244 | ₹16,29,923 |
| 13 | ₹4,92,782 | ₹1,33,753 | ₹11,37,141 |
| 14 | ₹5,41,690 | ₹84,845 | ₹5,95,451 |
| 15 | ₹5,95,451 | ₹31,084 | ₹0 |
Estimated maximum loan
₹28,72,945
- 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
₹10,27,102
Loan ends 2 yr 5 mo earlier
- Current EMI
- ₹52,211
- Tenure
- 180 → 151 months
- Interest without prepayment
- ₹43,98,022
- Interest with prepayment
- ₹33,70,920
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.