Tools · Loan
Home-loan EMI calculator
Enter your loan amount, interest rate and tenure. We compute the monthly instalment using the standard reducing-balance formula — EMI = P × r × (1+r)n / ((1+r)n − 1).
Loan amount₹50.00 L
Type a value
Interest rate8.50 %
Type a value
Tenure20 years
Type a value
Monthly EMI
₹43,391
for 240 months (20.0 years)
Principal
₹50.00 L
Total interest
₹54.14 L
Total paid
₹1.04 Cr
(₹1,04,13,879)
Interest share
52.0 %
of total payment
Principal Interest
Results are indicative and assume a fixed rate over the full tenure. Banks may apply processing fees, GST on insurance, and floating-rate adjustments — your actual EMI on the sanction letter is the authoritative figure.