Loan

EMI Calculator

See exactly what your monthly EMI works out to before you sign anything, with a full breakdown of how much goes to interest.

Loan amount

Rs.

Rs. 50,000Rs. 2,00,00,000

Interest rate

1 %20 %

Loan tenure

yrs

1 yrs30 yrs

Monthly EMI

₹21,696

Total interest

₹27,06,939

Total payment

₹52,06,939

₹52,06,939Total payable

Principal48%
Interest52%

Amortisation schedule (year by year)

20 years

Year	Principal paid	Interest paid	Balance	Loan paid
2026	₹49,756	₹2,10,591	₹24,50,244	2%
2027	₹54,154	₹2,06,193	₹23,96,091	4%
2028	₹58,940	₹2,01,407	₹23,37,150	7%
2029	₹64,150	₹1,96,197	₹22,73,000	9%
2030	₹69,820	₹1,90,527	₹22,03,180	12%
2031	₹75,992	₹1,84,355	₹21,27,188	15%

Indicative Home loan rates — top lenders

For reference only · verify with lender

State Bank of India

SBI

8.50% – 9.15%

p.a.

HDFC Bank

HDFC

8.75% – 9.65%

p.a.

ICICI Bank

ICICI

8.75% – 9.80%

p.a.

Axis Bank

Axis

8.75% – 9.15%

p.a.

Kotak Mahindra Bank

Kotak

8.75% – 9.60%

p.a.

Punjab National Bank

PNB

8.50% – 11.45%

p.a.

Bank of Baroda

BoB

8.40% – 10.65%

p.a.

LIC Housing Finance

LIC HFL

8.50% – 10.75%

p.a.

Rates are indicative as of 2026 and vary by credit profile, tenure and product type. Always confirm the current rate with the lender directly.

Note: Results are indicative and for planning purposes only. Final figures from banks, lenders or the Income Tax Department may differ based on their policies and the latest rates.

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