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Home Loan EMI Calculator
Calculate your monthly EMI, total interest & repayment amount in seconds.
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Frequently Asked Questions
What is EMI? ▾
EMI (Equated Monthly Instalment) is the fixed monthly payment you make to repay your loan. It includes both principal and interest components.
How is EMI calculated? ▾
EMI = [P × r × (1+r)^n] / [(1+r)^n – 1], where P = principal, r = monthly interest rate, n = number of months.
Can I prepay my home loan? ▾
Yes. Most banks allow part-prepayment without penalty for floating-rate loans. Prepaying reduces your outstanding principal and total interest.
What is the maximum home loan tenure? ▾
Most lenders offer a maximum tenure of 30 years. Longer tenure means lower EMI but higher total interest paid.