Home loan EMI calculator
The instalment, the interest you will actually pay, and what changing the tenure really costs. Same arithmetic as every price on the site.
Your loan
Drag or type. Everything updates as you move.
The same loan over 10, 20 and 30 years
A longer tenure buys a smaller instalment and sells you a much larger total. This is the trade nobody shows you at the sales desk.
Stretching 10 → 30 years cuts the instalment by 38% and adds ₹ 76.82 L of interest.
Amortisation schedule
Year by year, how much of each instalment is repayment and how much is rent on the money.
| Year | Principal | Interest | Balance | Split |
|---|---|---|---|---|
| 1 | ₹ 1.19 L | ₹ 5.05 L | ₹ 58.81 L | |
| 2 | ₹ 1.3 L | ₹ 4.95 L | ₹ 57.51 L | |
| 3 | ₹ 1.41 L | ₹ 4.83 L | ₹ 56.09 L | |
| 4 | ₹ 1.54 L | ₹ 4.71 L | ₹ 54.55 L | |
| 5 | ₹ 1.68 L | ₹ 4.57 L | ₹ 52.88 L | |
| 6 | ₹ 1.82 L | ₹ 4.42 L | ₹ 51.05 L | |
| 7 | ₹ 1.98 L | ₹ 4.26 L | ₹ 49.07 L | |
| 8 | ₹ 2.16 L | ₹ 4.09 L | ₹ 46.91 L |
- ·A reducing-balance loan with equal monthly instalments and no moratorium.
- ·The rate stays fixed for the full tenure — floating rates reprice with the repo rate, so treat this as today's rate held flat.
- ·Processing fee, insurance premium and legal/valuation charges are not in the EMI.
- ·The same emi() function powers every price shown on a project page, so these two can never disagree.
Talk to an advisor about this
A calculator gives you the arithmetic. An advisor tells you which lender will actually sanction it, which projects have an approved-project (APF) tie-up so the file moves in days rather than weeks, and what the builder will negotiate on. No fee to you — we are paid by the developer on a registered booking.
- · Rate comparison across a 10-lender panel
- · Paperwork prepared and tracked to disbursal
- · Callback within 5 minutes, 9:30am–8pm IST