Home-loan calculator

Home Loan EMI Calculator for Indian Property Buyers

Calculate monthly home-loan EMI, total interest, repayment and the impact of prepayment.

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Example data loaded. Replace it with your real estate sales data.

Your inputs

Enter your numbers

Loan amount₹Annual interest rate%Loan tenureyearsProcessing fee%Down payment₹One-time prepayment after year 1₹Additional monthly payment₹

Empty fields are treated as zero. Results update instantly and your data is not submitted.

Result summary

Your calculated real estate sales plan

₹52,069

Monthly EMI

₹64,96,655

Total interest

₹1,24,96,655

Total repayment

Loan schedules can change with floating rates, lender rules, fees and prepayment timing. Confirm the official amortisation schedule with the lender.

What this means

The entered prepayment and additional monthly contribution may reduce the modelled tenure by approximately 71.9 months.

Detailed results

Processing fee estimate₹30,000

Principal share48%

Interest share52%

Balance after year 1₹58,80,586

Estimated revised tenure14 years

Estimated tenure reduction71.9 months

Estimated interest saved₹24,60,954

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How to use this result

Treat the output as a planning model

The calculator applies the conversion rates and financial assumptions you enter. It does not provide an external performance benchmark. Compare consistent reporting periods, verify definitions with your team and test which operational change improves the actual result.