Estimate your monthly home loan payments easily and plan your finances with clarity before you borrow.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how much you can borrow, and how the repayment splits between principal and interest.
Monthly EMI (₹) for a ₹1 lakh loan at different interest rates and tenures. Multiply by your loan amount in lakhs for your EMI estimate.
| Interest Rate | 5 Years | 10 Years | 15 Years | Popular Tenure20 Years | Lowest EMI30 Years |
|---|---|---|---|---|---|
| 8% p.a. | ₹2,028 | ₹1,213 | ₹956 | ₹836 | ₹734 |
| 8.5% p.a. | ₹2,052 | ₹1,240 | ₹985 | ₹868 | ₹769 |
| 9% p.a. | ₹2,076 | ₹1,267 | ₹1,014 | ₹900 | ₹805 |
| 9.5% p.a. | ₹2,100 | ₹1,294 | ₹1,044 | ₹932 | ₹841 |
| 10% p.a. | ₹2,125 | ₹1,322 | ₹1,075 | ₹965 | ₹878 |
At Glance
₹734
Lowest monthly EMI shown (30 Years @ 8%)
₹836
EMI at 8% for 20 Years (per ₹1 lakh)
₹965
EMI at 10% for 20 Years (per ₹1 lakh)
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Turn your dream home into reality.
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Turn your dream home into reality.
Drive your new car home today.
Protect what matters most.
Grow your wealth over time.
Turn your dream home into reality.
Drive your new car home today.
Protect what matters most.
Grow your wealth over time.
Explore a wide range of banking products tailored to your financial needs, with competitive rates, flexible terms, and expert guidance to help you make smarter financial decisions.
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Read More: How to Improve Your Overall Loan Eligibility
A Home Loan EMI Calculator is a simple online tool that helps you estimate the monthly instalment you may need to pay on a home loan. By entering the loan amount, interest rate and loan tenure, you can get an approximate EMI along with the total interest payable and overall repayment amount.
It helps home buyers understand the long-term financial commitment before applying for a loan, compare different loan scenarios and choose a repayment plan that fits their household budget.
Home Loan EMI (Equated Monthly Instalment) is the fixed amount you generally pay every month towards repaying your home loan.
Each EMI consists of two components:
Principal: The portion that reduces the original loan amount.
Interest: The cost charged by the lender for providing the loan.
In the early years most of the EMI goes towards interest; over the tenure the principal portion grows, while the EMI may remain the same for a fixed-rate loan.
In simple terms:
Home Loan EMI = Principal Repayment + Interest
Home loan EMI is generally calculated using the standard EMI formula:
EMI = P × R × (1 + R)ⁿ / [(1 + R)ⁿ - 1]……
