Home Loan EMI Calculator
Estimate your home loan EMI, total interest outgo and total repayment. Model tenures up to 30 years and see the principal-vs-interest split.
EMI is calculated on a reducing-balance basis. Actual rates depend on your credit profile, lender and property value (LTV).
Monthly EMI
What tenure should I choose?
A longer tenure lowers your EMI but increases total interest paid. Choose the shortest tenure whose EMI comfortably fits your budget.
What is a good home loan rate?
Home loan rates in India typically range from 8.3% to 9.5% p.a., linked to the repo rate and your credit score.
Are home loans tax-deductible?
Yes — principal repayment qualifies under Sec 80C (up to ₹1.5L) and interest under Sec 24(b) (up to ₹2L for self-occupied property).
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