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Home Loan EMI Calculator India 2025

Calculate your monthly EMI, total interest, and payment schedule for your home loan with our advanced calculator. Get instant results and plan your home financing effectively.

₹
₹1L₹10Cr
%
0.5%20%
years
1 year30 years

Monthly EMI

₹89.71 K

Principal Amount
₹75.00 L
Total Interest
₹43.41 L
Loan Duration
132 months (11 years)
Total Amount Payable
₹1.18 Cr

Loan Composition

132
Months to pay
Principal Amount
₹75.00 L
63.3%
Interest Amount
₹43.41 L
36.7%
Interest vs Principal Ratio

0.58x

You'll pay 0.58 times the principal as interest

Payment Schedule

Showing 1 to 12 of 132 entries

Total Principal

₹75.00 L

Total Interest

₹43.41 L

Total Payable

₹1.18 Cr

Month
EMI
Prin.
Int.
Balance
Jun 2025
₹89.71 K
₹33.46 K
₹56.25 K
₹74.67 L
Jul 2025
₹89.71 K
₹33.71 K
₹56.00 K
₹74.33 L
Aug 2025
₹89.71 K
₹33.96 K
₹55.75 K
₹73.99 L
Sep 2025
₹89.71 K
₹34.22 K
₹55.49 K
₹73.65 L
Oct 2025
₹89.71 K
₹34.48 K
₹55.23 K
₹73.30 L
Nov 2025
₹89.71 K
₹34.73 K
₹54.98 K
₹72.95 L
Dec 2025
₹89.71 K
₹34.99 K
₹54.72 K
₹72.60 L
Jan 2026
₹89.71 K
₹35.26 K
₹54.45 K
₹72.25 L
Feb 2026
₹89.71 K
₹35.52 K
₹54.19 K
₹71.90 L
Mar 2026
₹89.71 K
₹35.79 K
₹53.92 K
₹71.54 L
Apr 2026
₹89.71 K
₹36.06 K
₹53.65 K
₹71.18 L
May 2026
₹89.71 K
₹36.33 K
₹53.38 K
₹70.81 L

Hidden Charges to Watch Out For in India

Be aware of these additional costs that banks may charge beyond your EMI

Processing & Administrative Fees

Processing fee: 0.5% to 1% of loan amount
Administrative charges: ₹500-₹5,000
Documentation charges: ₹1,000-₹10,000
Legal & technical verification: ₹2,000-₹15,000

Ongoing & Hidden Charges

Prepayment charges: 2-4% (for fixed rate loans)
Late payment penalty: 2% per month
CERSAI registration: ₹100-₹16,000
Loan cancellation charges: ₹3,000-₹25,000

Insurance & Protection

Home insurance: ₹3,000-₹15,000 annually
Life insurance premium: 0.5-1% of loan amount
PMAY subsidy processing: ₹5,000-₹10,000
Valuation charges: ₹2,000-₹5,000

💡 Pro Tip

Always ask for a detailed cost breakdown before signing. Many charges are negotiable, especially processing fees. Compare total costs across banks, not just interest rates.

Required Documents Checklist

Keep these documents ready to speed up your home loan application process.

Identity & Address Proof

Aadhaar Card
PAN Card
Passport/Voter ID
Utility Bills (last 2 months)

Income Documents

Salary slips (last 3 months)
Form 16/ITR (last 2 years)
Bank statements (6 months)
Employment certificate

Property Documents

Sale agreement
Approved building plan
NOC from builder
Property tax receipts

How EMI is Calculated

EMI Formula

EMI = P × r × (1 + r)ⁿ
(1 + r)ⁿ - 1
P = Principal loan amount
r = Monthly interest rate (Annual rate ÷ 12)
n = Total number of monthly installments

Example Calculation

Loan Amount (P):₹75,00,000
Annual Interest Rate:9%
Monthly Rate (r):0.75%
Tenure (n):132 months
Monthly EMI:₹89,710

Home Loan FAQs

Everything you need to know about home loans

A home loan is a secured loan specifically for purchasing, constructing, or renovating residential property. The property itself serves as collateral for the loan.

Key Features: Secured loan, lower interest rates (8-12%), longer tenure (up to 30 years), tax benefits available, and the property serves as collateral.

Need More Help?

Financial planning requires careful consideration of various factors. Consider consulting with a financial advisor for personalized advice based on your specific situation.

Always read terms and conditions carefully
Compare offers from multiple providers
Ensure calculations fit your financial goals

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