Home Loan EMI Calculator
Calculate home loan EMI, compare interest rates across Indian banks, analyze prepayment options, and view detailed amortization schedules.
Home Loan EMI Calculator
Calculate EMI, compare banks, plan prepayments, and visualize your loan journey
Interest rates last updated: December 2025
Loan Details
₹50.00 L
₹5L₹10Cr
8.5%
6%15%
20 Years
1 Year30 Years
Monthly EMI
₹43,391
Payment Breakdown
Principal Amount₹50.00 L
Total Interest₹54.14 L
Total Amount Payable₹1.04 Cr
Principal vs Interest
Principal (48.0%)
Interest (52.0%)
Amortization Schedule
Tax Benefits on Home Loan
Section 80C - Principal Repayment
Deduction up to ₹1.5 Lakh per year on principal repayment (part of your EMI). Available only for self-occupied property.
Section 24(b) - Interest Payment
Deduction up to ₹2 Lakh per year on interest paid for self-occupied property. No limit for let-out property.
* Tax benefits are subject to conditions. Consult a tax advisor for personalized advice.
Interest rates are indicative and may vary based on credit score, loan amount, and bank policies. Always verify current rates with the respective bank.