Indian Home Loan Calculator
Indian Home Loan Calculator – 2025 | Calculate EMI, Interest & Tenure Easily
Buying a home is one of the biggest financial decisions in life, and planning your home loan repayment smartly can save you lakhs in the long run. To help you make an informed choice, we’ve built the Indian Home Loan Calculator – 2025, a free online tool designed for fast and accurate EMI calculations.
How to Use the Indian Home Loan Calculator
Just follow these 3 easy steps:.
Enter Loan Amount – Input the total loan you plan to take (e.g., ₹30,00,000).
Enter Interest Rate (Annual) – Input the interest rate offered by your bank (e.g., 8.5%).
Enter Loan Tenure (Years or Months) – Choose how long you plan to repay (e.g., 20 years).
Click “Calculate” – Instantly see your:
Monthly EMI
Total Interest Payable
Total Payment (Principal + Interest)
You can also reset the fields anytime to compare different scenarios.
Example Output:
Let’s say:
Loan Amount = ₹30,00,000
Interest Rate = 8.5%
Tenure = 20 Years
You’ll get:
Monthly EMI = ₹26,035 (approx.)
Total Interest = ₹32,48,472
Total Payment = ₹62,48,472
This helps you plan your finances better before applying for a home loan.
Key Features of the Calculator
Instant EMI & interest calculation
Mobile-friendly interface
Adjust values anytime to compare scenarios
Shows total payment & interest clearly
100% Free & requires no registration
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Frequently Asked Questions (FAQs)
EMI (Equated Monthly Installment) is the fixed monthly payment made towards repaying the home loan over the tenure. It includes both principal and interest components.
Yes, the calculator lets you input any interest rate so you can compare loan offers from different banks.
While the tool calculates based on a fixed rate, you can re-enter the updated rate manually to estimate floating EMI changes.
Yes, you can use this tool for PMAY, EWS, or any other government-backed housing loans by entering the relevant interest and amount.
Yes, it uses the standard EMI formula used by banks across India. However, final EMI may vary slightly due to daily/quarterly compounding used by banks.
