Calculators
Plan your loanbefore you apply
Work out EMIs, eligibility and prepayment savings for any loan before you apply.
Set up for a professional loan. Adjust the sliders to match your offer.
Monthly EMI
₹33,367
for 60 months
- Principal
- ₹15,00,000
- Total interest
- ₹5,02,000
- Total payable
- ₹20,02,000
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 | ₹2,32,935 | ₹1,67,465 | ₹12,67,065 |
| 2 | ₹2,62,477 | ₹1,37,923 | ₹10,04,587 |
| 3 | ₹2,95,766 | ₹1,04,634 | ₹7,08,821 |
| 4 | ₹3,33,277 | ₹67,123 | ₹3,75,544 |
| 5 | ₹3,75,544 | ₹24,856 | ₹0 |
Estimated maximum loan
₹13,48,651
- 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
₹59,002
Loan ends 0 yr 6 mo earlier
- Current EMI
- ₹33,367
- Tenure
- 60 → 54 months
- Interest without prepayment
- ₹5,02,000
- Interest with prepayment
- ₹4,42,999
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.