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Home Loan EMI Calculator

Plan your home purchase with our easy-to-use EMI calculator. Enter your loan amount, interest rate, and tenure to instantly calculate your monthly EMI, total interest, and view the complete amortization schedule.

₹
1 L50 Cr
%
1%20%
1 Yr40 Yr

Monthly EMI

43.4 K

Principal

50.00 L

Interest

54.14 L

Monthly EMI₹ 43,391
Principal Amount₹ 50,00,000
Total Interest₹ 54,13,879
Total Amount₹ 1,04,13,879

Amortization Schedule

YearPrincipalInterestBalance
1₹ 99,509₹ 4,21,183₹ 49,00,491
2₹ 1,08,305₹ 4,12,387₹ 47,92,185
3₹ 1,17,878₹ 4,02,814₹ 46,74,307
4₹ 1,28,298₹ 3,92,394₹ 45,46,009
5₹ 1,39,638₹ 3,81,054₹ 44,06,371

Bank-wise Home Loan EMI Calculator

SBIHDFC BankICICI BankAxis BankBank of BarodaPNBKotak Mahindra BankLIC Housing FinanceBajaj Housing FinanceUnion Bank of IndiaCanara BankIDBI Bank

EMI Calculator by Loan Amount

₹10 Lakh₹15 Lakh₹20 Lakh₹25 Lakh₹30 Lakh₹40 Lakh₹50 Lakh₹60 Lakh₹70 Lakh₹75 Lakh₹80 Lakh₹1 Crore₹1.5 Crore₹2 Crore₹3 Crore₹5 Crore

How is Home Loan EMI Calculated?

EMI stands for Equated Monthly Installment. It is the fixed amount you pay to the bank every month until the loan is fully repaid. Each EMI payment consists of two parts — principal repayment and interest payment.

EMI Formula

EMI = P × r × (1 + r)n / ((1 + r)n - 1)

  • P = Principal loan amount
  • r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
  • n = Total number of monthly installments

Tips to Reduce Your Home Loan EMI

  • Make a higher down payment to reduce the loan principal
  • Compare interest rates across multiple banks before choosing
  • Opt for a longer tenure if you want lower monthly payments
  • Make prepayments whenever you receive bonuses or extra income
  • Consider balance transfer if another bank offers a lower rate
  • Maintain a good credit score (750+) to negotiate better rates

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Frequently Asked Questions

1.

What is EMI and how is it calculated?

EMI (Equated Monthly Installment) is a fixed monthly payment made by a borrower to a lender. It is calculated using the formula: EMI = P x r x (1+r)^n / ((1+r)^n - 1), where P is the principal loan amount, r is the monthly interest rate, and n is the number of monthly installments.
2.

What factors affect my home loan EMI?

3.

What is the ideal home loan tenure?

4.

Can I reduce my EMI after taking a home loan?

5.

What is the difference between fixed and floating interest rates?

6.

How much home loan can I get based on my salary?

7.

What are the current home loan interest rates in India?

8.

What additional charges should I consider apart from EMI?