Loan
Home Loan EMI Calculator
Calculate home loan EMI with amortization schedule
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₹
%
Mo
Results
Monthly EMI—
Total Interest—
Total Payment—
Principal
Interest
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| ₹30L at 8.5% for 20 years | EMI: ₹26,035 |
| ₹50L at 9% for 25 years | EMI: ₹41,960 |
| ₹75L at 8.5% for 30 years | EMI: ₹57,693 |
How It Works
Formula, methodology and key concepts explained
A home loan (housing loan) is India's largest and longest financial commitment for most families. Understanding your EMI, total interest burden, and amortization schedule helps you make better decisions about down payment size and tenure.
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Expert guidance to get the most out of your calculation
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Frequently Asked Questions
Common questions about Home Loan EMI Calculator
- As of 2025, SBI offers home loans from 8.35%, HDFC from 8.45%, ICICI from 8.75%, Axis from 8.75%. Rates vary based on your credit score, income, and loan amount.
- Most banks offer up to 30-year tenure for home loans. Longer tenure = smaller EMI but significantly more total interest. A 30-year loan at 8.5% costs more than 2× the principal in interest.
- Shorter tenure = higher EMI but huge savings on total interest. If your income comfortably covers a 15-year EMI, prefer it over 20 years. Use this calculator to compare.
Key Numbers to Know
Benchmark figures for Loan planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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