EMI Calculator
Calculate your Home Loan EMI instantly. Adjust the sliders to explore different scenarios.
Loan Details
₹50.00 L
₹5 L₹5 Cr
8.5%
5%20%
20 years
1 yr30 yrs
Quick Presets:
Your EMI Breakdown
Monthly EMI
₹43,391
₹50.00 L
Principal Amount
₹54.14 L
Total Interest
₹1.04 Cr
Total Amount Payable
* Indicative EMI. Actual EMI may vary based on bank processing fees, GST, and other charges.
Home Loan Tips
Compare rates across banks
Even a 0.5% difference can save lakhs over 20 years. Check HDFC, SBI, ICICI and NBFCs.
Prepay when possible
Any surplus income used for prepayment reduces your principal faster and cuts total interest.
Credit score matters
A CIBIL score above 750 qualifies you for lower interest rates — check yours before applying.
Shorter tenure = less interest
A 15-year loan costs significantly less than 25 years, though the EMI will be higher.