Home Loan EMI Calculator
హోమ్ లోన్ ఈఎంఐ కాలిక్యులేటర్
Home loan EMI calculator: the monthly EMI, total interest and year-by-year schedule of a housing loan.
హోమ్ లోన్ (గృహ రుణం) నెలవారీ ఈఎంఐ, మొత్తం వడ్డీ, ఏడాదివారీ చెల్లింపు పట్టిక.
Your result
Monthly EMI నెలవారీ వాయిదా
43.39 thousand rupees a month
- Principalఅసలు
- ₹50,00,000
- Total interestమొత్తం వడ్డీ
- ₹54,13,879
- Total paymentమొత్తం చెల్లింపు
- ₹1,04,13,879
Year by year ఏడాదివారీగా
- Principal
- Interest
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹99,511 | ₹4,21,182 | ₹49,00,489 |
| 2 | ₹1,08,307 | ₹4,12,387 | ₹47,92,181 |
| 3 | ₹1,17,881 | ₹4,02,813 | ₹46,74,300 |
| 4 | ₹1,28,300 | ₹3,92,394 | ₹45,46,000 |
| 5 | ₹1,39,641 | ₹3,81,053 | ₹44,06,359 |
| 6 | ₹1,51,984 | ₹3,68,710 | ₹42,54,375 |
| 7 | ₹1,65,418 | ₹3,55,276 | ₹40,88,957 |
| 8 | ₹1,80,039 | ₹3,40,655 | ₹39,08,918 |
| 9 | ₹1,95,953 | ₹3,24,741 | ₹37,12,965 |
| 10 | ₹2,13,274 | ₹3,07,420 | ₹34,99,691 |
| 11 | ₹2,32,125 | ₹2,88,569 | ₹32,67,566 |
| 12 | ₹2,52,643 | ₹2,68,051 | ₹30,14,923 |
| 13 | ₹2,74,974 | ₹2,45,720 | ₹27,39,949 |
| 14 | ₹2,99,279 | ₹2,21,415 | ₹24,40,670 |
| 15 | ₹3,25,733 | ₹1,94,961 | ₹21,14,937 |
| 16 | ₹3,54,525 | ₹1,66,169 | ₹17,60,412 |
| 17 | ₹3,85,862 | ₹1,34,832 | ₹13,74,550 |
| 18 | ₹4,19,968 | ₹1,00,726 | ₹9,54,582 |
| 19 | ₹4,57,090 | ₹63,604 | ₹4,97,492 |
| 20 | ₹4,97,492 | ₹23,202 | ₹0 |
Last updated : an example interest rate of 8.5% a year. These are examples: check your lender's current rate and charges before you borrow.
How is the home loan EMI calculated?
From three figures: the loan amount, the yearly interest rate and the tenure. Lenders charge interest each month on the balance still owed (reducing balance), so the EMI stays the same while the interest in it falls. With a loan amount P, a monthly rate r (yearly rate ÷ 12 ÷ 100) and n monthly instalments:
EMI = P × r × (1 + r) n ÷ ((1 + r) n − 1)
Example: a home loan of ₹50,00,000 at 8.5% for 20 years is an EMI of ₹43,391. You pay ₹54,13,879 in interest, ₹1,04,13,879 in all. The rate is an example: yours depends on the lender and your credit score.
Home loan EMI for ₹30 lakh, ₹50 lakh and ₹1 crore
At 8.5% a year, the EMI on a home loan of ₹30 lakh over 20 years is ₹26,035; on ₹50 lakh, ₹43,391. EMIs at that example rate (type yours above):
| Loan | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|
| ₹20 lakh | ₹19,695 | ₹17,356 | ₹16,105 | ₹15,378 |
| ₹30 lakh | ₹29,542 | ₹26,035 | ₹24,157 | ₹23,067 |
| ₹40 lakh | ₹39,390 | ₹34,713 | ₹32,209 | ₹30,757 |
| ₹50 lakh | ₹49,237 | ₹43,391 | ₹40,261 | ₹38,446 |
| ₹75 lakh | ₹73,855 | ₹65,087 | ₹60,392 | ₹57,669 |
| ₹1 crore | ₹98,474 | ₹86,782 | ₹80,523 | ₹76,891 |
Good to know
- Banks lend up to 90% of the property's value on loans up to ₹30 lakh, 80% up to ₹75 lakh and 75% above that (RBI's loan-to-value limits). The rest is your down payment, and stamp duty and registration (about 7.5% in Andhra Pradesh and Telangana) are paid on top: the registration charges calculator works them out for your property.
- Most home loans are floating-rate, tied to the RBI repo rate. When the rate changes, the bank usually keeps the EMI and changes the tenure; you can ask for a higher EMI instead, and RBI does not allow a charge for paying a floating-rate home loan off early.
- In the old tax regime, interest up to ₹2 lakh a year on the house you live in, and the principal within the ₹1.5 lakh 80C limit, are deductible; the new regime allows neither for a self-occupied house.
హోమ్ లోన్ ఈఎంఐ ఎంత?
8.5% వడ్డీతో 20 ఏళ్లకు ₹30 లక్షల గృహ రుణానికి (హోమ్ లోన్) నెలవారీ ఈఎంఐ ₹26,035, ₹50 లక్షలకు ₹43,391. కాలం పెంచితే ఈఎంఐ తగ్గుతుంది, కానీ మొత్తం వడ్డీ పెరుగుతుంది. మీ లోన్ మొత్తం, వడ్డీ రేటు, కాలం పైన మార్చి మీ ఈఎంఐ చూడండి.
Questions
How much home loan EMI can I afford?
Banks usually let all your EMIs together take 40% to 60% of your take-home pay (the FOIR). At 50% of ₹1 lakh a month that is EMIs up to ₹50,000, which repay about ₹57.62 lakh at 8.5% over 20 years. The home loan eligibility calculator works it out for your pay and the EMIs you already have.
Does a longer tenure save money?
No. A longer tenure lowers the EMI but raises the total interest. On the example, 30 years instead of 20 brings the EMI down to ₹38,446 but adds ₹34,26,564 of interest. Pick the shortest tenure whose EMI you can pay comfortably.
Can I pay the loan off early?
On floating-rate loans to individuals, RBI does not allow prepayment charges in most cases (some business loans are exceptions). Fixed-rate loans may carry them: check your loan agreement. The prepayment calculator shows the interest a part payment saves on any loan repaid in EMIs.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
