How is home loan EMI calculated?

EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P is principal, r is monthly interest rate, and n is tenure in months.

What is the minimum home loan amount I can apply for?

Most banks offer a minimum home loan of ₹5 lakhs. The maximum depends on your income and property value.

What is the maximum tenure for a home loan in India?

Up to 30 years, subject to the applicant's age not exceeding 70 at loan maturity.

Can I prepay my home loan?

Yes. Most banks allow prepayment. Floating rate loans have no prepayment penalty as per RBI guidelines.

How does Easiloan help me get the best home loan rate?

Easiloan compares offers from 36+ banks and HFCs using an AI-based matching engine, so you see the best rate for your profile.

Home Loan EMI Calculator

Estimate your monthly home loan EMI, total interest outgo, and compare different tenures before you apply.

LOAN AMOUNT

Interest Rate (% per annum)

Loan Tenure (years)

Interest Breakdown

Your Monthly EMI

₹: 65, 087/month

Total Payment

₹: 1, 56, 20, 818

Total Interest

₹: 81, 20, 818

Total Principal Amount

₹: 75, 00, 000

Repayment Schedule

Month	Principal Payment	Interest Payment	Remaining Principal
1	11, 962	53, 125	74, 88, 038
2	12, 046	53, 040	74, 75, 992
3	12, 132	52, 955	74, 63, 860
4	12, 218	52, 869	74, 51, 642
5	12, 304	52, 782	74, 39, 338
6	12, 391	52, 695	74, 26, 947
7	12, 479	52, 608	74, 14, 467
8	12, 568	52, 519	74, 01, 900
9	12, 657	52, 430	73, 89, 243
10	12, 746	52, 340	73, 76, 497
11	12, 837	52, 250	73, 63, 660
12	12, 927	52, 159	73, 50, 733
13	13, 019	52, 068	73, 37, 714
14	13, 111	51, 975	73, 24, 603
15	13, 204	51, 883	73, 11, 398
16	13, 298	51, 789	72, 98, 101
17	13, 392	51, 695	72, 84, 709
18	13, 487	51, 600	72, 71, 222
19	13, 582	51, 504	72, 57, 640
20	13, 678	51, 408	72, 43, 961
21	13, 775	51, 311	72, 30, 186
22	13, 873	51, 214	72, 16, 313
23	13, 971	51, 116	72, 02, 342
24	14, 070	51, 017	71, 88, 272
25	14, 170	50, 917	71, 74, 102
26	14, 270	50, 817	71, 59, 832
27	14, 371	50, 715	71, 45, 461
28	14, 473	50, 614	71, 30, 988
29	14, 576	50, 511	71, 16, 412
30	14, 679	50, 408	71, 01, 733
31	14, 783	50, 304	70, 86, 950
32	14, 888	50, 199	70, 72, 063
33	14, 993	50, 094	70, 57, 070
34	15, 099	49, 988	70, 41, 971
35	15, 206	49, 881	70, 26, 765
36	15, 314	49, 773	70, 11, 451
37	15, 422	49, 664	69, 96, 028
38	15, 532	49, 555	69, 80, 497
39	15, 642	49, 445	69, 64, 855
40	15, 752	49, 334	69, 49, 103
41	15, 864	49, 223	69, 33, 239
42	15, 976	49, 110	69, 17, 263
43	16, 089	48, 997	69, 01, 173
44	16, 203	48, 883	68, 84, 970
45	16, 318	48, 769	68, 68, 652
46	16, 434	48, 653	68, 52, 218
47	16, 550	48, 537	68, 35, 668
48	16, 667	48, 419	68, 19, 000
49	16, 785	48, 301	68, 02, 215
50	16, 904	48, 182	67, 85, 310
51	17, 024	48, 063	67, 68, 286
52	17, 145	47, 942	67, 51, 142
53	17, 266	47, 821	67, 33, 875
54	17, 388	47, 698	67, 16, 487
55	17, 512	47, 575	66, 98, 975
56	17, 636	47, 451	66, 81, 340
57	17, 761	47, 326	66, 63, 579
58	17, 886	47, 200	66, 45, 693
59	18, 013	47, 074	66, 27, 680
60	18, 141	46, 946	66, 09, 539
61	18, 269	46, 818	65, 91, 270
62	18, 399	46, 688	65, 72, 871
63	18, 529	46, 558	65, 54, 342
64	18, 660	46, 427	65, 35, 682
65	18, 792	46, 294	65, 16, 890
66	18, 925	46, 161	64, 97, 964
67	19, 059	46, 027	64, 78, 905
68	19, 195	45, 892	64, 59, 710
69	19, 330	45, 756	64, 40, 380
70	19, 467	45, 619	64, 20, 913
71	19, 605	45, 481	64, 01, 307
72	19, 744	45, 343	63, 81, 563
73	19, 884	45, 203	63, 61, 679
74	20, 025	45, 062	63, 41, 654
75	20, 167	44, 920	63, 21, 488
76	20, 310	44, 777	63, 01, 178
77	20, 453	44, 633	62, 80, 725
78	20, 598	44, 488	62, 60, 126
79	20, 744	44, 343	62, 39, 382
80	20, 891	44, 196	62, 18, 491
81	21, 039	44, 048	61, 97, 452
82	21, 188	43, 899	61, 76, 264
83	21, 338	43, 749	61, 54, 926
84	21, 489	43, 597	61, 33, 436
85	21, 642	43, 445	61, 11, 795
86	21, 795	43, 292	60, 90, 000
87	21, 949	43, 138	60, 68, 051
88	22, 105	42, 982	60, 45, 946
89	22, 261	42, 825	60, 23, 685
90	22, 419	42, 668	60, 01, 266
91	22, 578	42, 509	59, 78, 688
92	22, 738	42, 349	59, 55, 950
93	22, 899	42, 188	59, 33, 051
94	23, 061	42, 026	59, 09, 990
95	23, 224	41, 862	58, 86, 766
96	23, 389	41, 698	58, 63, 377
97	23, 554	41, 532	58, 39, 823
98	23, 721	41, 365	58, 16, 102
99	23, 889	41, 197	57, 92, 212
100	24, 059	41, 028	57, 68, 154
101	24, 229	40, 858	57, 43, 925
102	24, 401	40, 686	57, 19, 524
103	24, 573	40, 513	56, 94, 951
104	24, 748	40, 339	56, 70, 203
105	24, 923	40, 164	56, 45, 280
106	25, 099	39, 987	56, 20, 181
107	25, 277	39, 810	55, 94, 904
108	25, 456	39, 631	55, 69, 448
109	25, 636	39, 450	55, 43, 811
110	25, 818	39, 269	55, 17, 993
111	26, 001	39, 086	54, 91, 992
112	26, 185	38, 902	54, 65, 807
113	26, 371	38, 716	54, 39, 436
114	26, 557	38, 529	54, 12, 879
115	26, 746	38, 341	53, 86, 133
116	26, 935	38, 152	53, 59, 198
117	27, 126	37, 961	53, 32, 073
118	27, 318	37, 769	53, 04, 755
119	27, 511	37, 575	52, 77, 243
120	27, 706	37, 380	52, 49, 537
121	27, 903	37, 184	52, 21, 635
122	28, 100	36, 987	51, 93, 535
123	28, 299	36, 788	51, 65, 235
124	28, 500	36, 587	51, 36, 736
125	28, 702	36, 385	51, 08, 034
126	28, 905	36, 182	50, 79, 129
127	29, 110	35, 977	50, 50, 020
128	29, 316	35, 771	50, 20, 704
129	29, 523	35, 563	49, 91, 181
130	29, 733	35, 354	49, 61, 448
131	29, 943	35, 144	49, 31, 505
132	30, 155	34, 931	49, 01, 350
133	30, 369	34, 718	48, 70, 981
134	30, 584	34, 503	48, 40, 397
135	30, 801	34, 286	48, 09, 596
136	31, 019	34, 068	47, 78, 577
137	31, 238	33, 848	47, 47, 339
138	31, 460	33, 627	47, 15, 879
139	31, 683	33, 404	46, 84, 197
140	31, 907	33, 180	46, 52, 290
141	32, 133	32, 954	46, 20, 157
142	32, 361	32, 726	45, 87, 796
143	32, 590	32, 497	45, 55, 206
144	32, 821	32, 266	45, 22, 385
145	33, 053	32, 034	44, 89, 332
146	33, 287	31, 799	44, 56, 045
147	33, 523	31, 564	44, 22, 522
148	33, 761	31, 326	43, 88, 761
149	34, 000	31, 087	43, 54, 762
150	34, 241	30, 846	43, 20, 521
151	34, 483	30, 604	42, 86, 038
152	34, 727	30, 359	42, 51, 311
153	34, 973	30, 113	42, 16, 337
154	35, 221	29, 866	41, 81, 116
155	35, 471	29, 616	41, 45, 646
156	35, 722	29, 365	41, 09, 924
157	35, 975	29, 112	40, 73, 949
158	36, 230	28, 857	40, 37, 720
159	36, 486	28, 601	40, 01, 234
160	36, 745	28, 342	39, 64, 489
161	37, 005	28, 082	39, 27, 484
162	37, 267	27, 820	38, 90, 217
163	37, 531	27, 556	38, 52, 686
164	37, 797	27, 290	38, 14, 889
165	38, 065	27, 022	37, 76, 824
166	38, 334	26, 753	37, 38, 490
167	38, 606	26, 481	36, 99, 884
168	38, 879	26, 208	36, 61, 005
169	39, 155	25, 932	36, 21, 850
170	39, 432	25, 655	35, 82, 419
171	39, 711	25, 375	35, 42, 707
172	39, 993	25, 094	35, 02, 715
173	40, 276	24, 811	34, 62, 439
174	40, 561	24, 526	34, 21, 878
175	40, 848	24, 238	33, 81, 029
176	41, 138	23, 949	33, 39, 891
177	41, 429	23, 658	32, 98, 462
178	41, 723	23, 364	32, 56, 740
179	42, 018	23, 069	32, 14, 722
180	42, 316	22, 771	31, 72, 406
181	42, 616	22, 471	31, 29, 790
182	42, 917	22, 169	30, 86, 873
183	43, 221	21, 865	30, 43, 651
184	43, 528	21, 559	30, 00, 124
185	43, 836	21, 251	29, 56, 288
186	44, 146	20, 940	29, 12, 142
187	44, 459	20, 628	28, 67, 683
188	44, 774	20, 313	28, 22, 909
189	45, 091	19, 996	27, 77, 817
190	45, 411	19, 676	27, 32, 407
191	45, 732	19, 355	26, 86, 675
192	46, 056	19, 031	26, 40, 619
193	46, 382	18, 704	25, 94, 236
194	46, 711	18, 376	25, 47, 525
195	47, 042	18, 045	25, 00, 484
196	47, 375	17, 712	24, 53, 109
197	47, 711	17, 376	24, 05, 398
198	48, 049	17, 038	23, 57, 350
199	48, 389	16, 698	23, 08, 961
200	48, 732	16, 355	22, 60, 229
201	49, 077	16, 010	22, 11, 152
202	49, 424	15, 662	21, 61, 728
203	49, 775	15, 312	21, 11, 953
204	50, 127	14, 960	20, 61, 826
205	50, 482	14, 605	20, 11, 344
206	50, 840	14, 247	19, 60, 504
207	51, 200	13, 887	19, 09, 305
208	51, 563	13, 524	18, 57, 742
209	51, 928	13, 159	18, 05, 814
210	52, 296	12, 791	17, 53, 519
211	52, 666	12, 421	17, 00, 853
212	53, 039	12, 048	16, 47, 814
213	53, 415	11, 672	15, 94, 399
214	53, 793	11, 294	15, 40, 606
215	54, 174	10, 913	14, 86, 432
216	54, 558	10, 529	14, 31, 874
217	54, 944	10, 142	13, 76, 930
218	55, 333	9, 753	13, 21, 596
219	55, 725	9, 361	12, 65, 871
220	56, 120	8, 967	12, 09, 751
221	56, 518	8, 569	11, 53, 233
222	56, 918	8, 169	10, 96, 315
223	57, 321	7, 766	10, 38, 994
224	57, 727	7, 360	9, 81, 267
225	58, 136	6, 951	9, 23, 130
226	58, 548	6, 539	8, 64, 583
227	58, 963	6, 124	8, 05, 620
228	59, 380	5, 706	7, 46, 240
229	59, 801	5, 286	6, 86, 439
230	60, 224	4, 862	6, 26, 214
231	60, 651	4, 436	5, 65, 563
232	61, 081	4, 006	5, 04, 483
233	61, 513	3, 573	4, 42, 969
234	61, 949	3, 138	3, 81, 020
235	62, 388	2, 699	3, 18, 632
236	62, 830	2, 257	2, 55, 803
237	63, 275	1, 812	1, 92, 528
238	63, 723	1, 364	1, 28, 805
239	64, 174	912	64, 631
240	64, 629	458	2

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