Home Loan EMI Calculator

Calculate your monthly EMI, total interest, and payment breakdown

Property PriceRs 75 L

₹5L₹10Cr

Down Payment20% (Rs 15 L)

5%90%

Interest Rate (p.a.)8.5%

5%15%

Loan Tenure20 years

1 yr30 yrs

Monthly EMI

Rs 52,069

per month

Loan AmountRs 60 L

Total InterestRs 64.97 L

Total PaymentRs 1.25 Cr

Principal (48%)

Interest (52%)

Down Payment

Rs 15 L

Tenure

240 months

Interest Rates (Feb 2026): SBI 8.25%, HDFC 8.45%, ICICI 8.50%, Axis 8.55%, Kotak 8.65%

Tax Benefit: Up to ₹2L deduction on interest (Sec 24b) + ₹1.5L on principal (Sec 80C).

Tip: Even 0.5% lower interest saves lakhs over 20 years. Compare rates!