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Home Loan EMI Calculator India 2025

Calculate home loan EMI, total interest, and prepayment savings with amortisation schedule.

₹
= ₹50 Lakh
%
₹
₹
Monthly EMI
₹44,186
Total Interest
₹56,04,529
Total Amount Payable
₹1,06,14,529
Year-wise Amortisation Schedule
YearPrincipalInterestBalance
Yr 1₹96,537₹4,33,689₹49,03,463
Yr 2₹1,05,331₹4,24,895₹47,98,132
Yr 3₹1,14,926₹4,15,300₹46,83,205
Yr 4₹1,25,396₹4,04,831₹45,57,810
Yr 5₹1,36,819₹3,93,408₹44,20,991
Yr 6₹1,49,282₹3,80,944₹42,71,709
Yr 7₹1,62,881₹3,67,345₹41,08,827
Yr 8₹1,77,719₹3,52,507₹39,31,108
Yr 9₹1,93,909₹3,36,318₹37,37,200
Yr 10₹2,11,573₹3,18,654₹35,25,627
Yr 11₹2,30,846₹2,99,380₹32,94,781
Yr 12₹2,51,875₹2,78,351₹30,42,905
Yr 13₹2,74,820₹2,55,406₹27,68,085
Yr 14₹2,99,855₹2,30,371₹24,68,230
Yr 15₹3,27,171₹2,03,056₹21,41,059
Current Home Loan Rates (2025)
SBI Home Loan8.5%EMI ₹43,391
HDFC Bank8.75%EMI ₹44,186
ICICI Bank8.75%EMI ₹44,186
Axis Bank8.75%EMI ₹44,186
Kotak Mahindra8.7%EMI ₹44,026