Calculator

Know your home loan EMI before you sign anything.

Move the sliders to model any loan amount, rate or tenure — the year-by-year amortization table below shows exactly how your balance shrinks over time.

Loan Instrument

Home Loan EMI Calculator

Move the sliders — the split between principal and interest updates in real time.

Loan Amount ₹3,500,000

Interest Rate (p.a.) 8.6%

Tenure 240 months

Apply at this EMI →

Estimated Monthly EMI

₹21,494

● Principal
₹10,00,000

● Interest
₹2,89,640

Year-by-year amortization

Year	Principal Paid	Interest Paid	Balance

Reading the Numbers

Quick notes on EMI math

Early EMIs are interest-heavy because interest is charged on the outstanding balance, which is largest at the start of the loan.

Most lenders let you choose — reducing tenure saves more total interest, while reducing EMI eases monthly cash flow.

It's a close estimate using the reducing-balance method most Indian banks use; your actual sanction letter may vary slightly based on processing fees and exact disbursal date.

Like what you see?

Apply with the numbers you just calculated — no repeat data entry.

Apply for a Loan Talk to us