CALCULATORS • PROPERTY
Home Loan EMI Calculator
See your monthly instalment, and how much of it is interest.
Make informed decisions
See how loan amount, interest rate and tenure impact your EMI.
ABOUT THIS CALCULATOR
What is the Home Loan EMI Calculator?
A Home Loan Equated Monthly Instalment (EMI) is the fixed amount you pay to your bank every month to repay your home loan. It consists of two parts: the principal amount (the actual money borrowed) and the interest charged by the bank. Our EMI calculator helps you instantly figure out your exact monthly outflow, so you can budget your dream home with complete confidence.
Calculator Details
Adjust the values below to see your personalized results.
₹
₹1 L₹10 Cr
Per year, as quoted by the bank
%
5%16%
yr
1 yr30 yr
Monthly EMI
₹43,391
Total interest₹54,13,879
Total amount payable₹1,04,13,879
Tenure20 years (240 EMIs)
Tip: Banks usually keep your EMI within about half of your take-home pay. Use the eligibility calculator to check where you stand.
What this calculation assumes
- The interest rate stays the same for the whole tenure. Most home loans are floating, so the EMI changes when your bank revises its rate.
- The first instalment is paid one month after the loan is disbursed.
- Processing fees, insurance premiums and other one-time charges are not included.
The result is an estimate to help you plan. Your bank, insurer or fund house will confirm the exact figures, and market-linked returns are never guaranteed.
Want this checked for your own case?
Send us your numbers and we will walk you through the options — there is no fee for the advice.