Tools

Home loan EMI calculator

Move the sliders to see what a property actually costs you each month — and how much of the total goes to interest.

Property price₹2 Cr

Down payment20% · ₹40 L

Interest rate8.50% p.a.

Loan tenure20 years

Monthly instalment

₹1,38,852

Loan amount

₹1.60 Cr

Total interest

₹1.73 Cr

Total payable

₹3.33 Cr

This is an indicative calculation on a reducing-balance basis. It excludes processing fees, insurance, stamp duty and registration. Your actual rate and eligibility depend on the lender’s assessment of your income and credit profile.

What the calculation assumes

A reducing-balance loan with equal monthly instalments at a fixed rate for the full tenure. Floating-rate loans re-price when the benchmark moves, which changes the instalment or the tenure.

What it leaves out

Processing fees, property insurance, stamp duty and registration are all outside the loan calculation. In Delhi NCR these typically add a meaningful amount on top of the sticker price — budget for them separately.

How much will a bank actually lend?

Lenders usually cap the loan at 75–90% of the property value depending on ticket size, and separately cap the instalment at a proportion of your monthly income. The binding constraint is normally the income test, not the property value.

Need help with the loan itself?

We work with lenders across NCR and can tell you what rate you’re realistically looking at for your profile before you apply anywhere.

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