Home Loan
EMI Calculator
See your monthly instalment, total interest, and total amount payable — before you apply for a loan.
This is an estimate based on the reducing-balance EMI formula. Actual EMI may vary slightly depending on your lender's processing fees, exact disbursement date, and any floating-rate adjustments during the loan term.
How this calculator works
What it calculates
Your fixed monthly instalment (EMI) on a home loan, along with the total interest and total amount you'll pay back over the full tenure.
What you need
The property price, your planned down payment percentage, the interest rate your lender is offering, and your preferred loan tenure.
Does a longer tenure always mean lower EMI?
Yes — spreading the principal over more months lowers the EMI, but increases total interest paid, so the overall cost of the loan goes up.