Home Loan EMI & Eligibility Calculator
Work out the monthly EMI on any home loan, and how much loan a client’s income actually supports. Includes a year-by-year breakdown of principal against interest.
Home Loan EMI & Eligibility
Work out the monthly payment — or how much loan the income actually supports.
₹
₹5 L₹50.0 L₹5 Cr
%
6%16%
yrs
1 yr30 yrs
August 2026 reference: SBI from 7.25%, PNB 7.20%, BoB 7.45%. Private lenders and NBFCs typically start near 7.7–8.5% and rise with the borrower’s credit profile.
Monthly EMI
₹43,391
Forty-three thousand a month for 240 months
Principal 48%Interest 52%
Principal borrowed₹50,00,000
Total interest paid₹54,13,879
Number of instalments240
Total amount payable₹1,04,13,879
Year-by-year breakdown
| Year | Principal | Interest | Balance |
|---|
Excludes processing fees, insurance and any pre-EMI during construction. Floating-rate loans will move with the lender’s benchmark.
₹
₹
%
yrs
Eligible loan amount
₹51,88,000
Approximately ₹51.9 lakh
EMI the income supports₹45,000
Less existing obligations₹15,000
Property value this covers₹64,85,000
Down payment needed₹12,97,000
Plus stamp duty & registration≈ ₹3,89,100
Broker note: the down payment plus stamp duty is the number that stalls deals — quote it early, not at the agreement stage. Actual sanction also depends on CIBIL score, employer category and age at loan maturity.
Add roughly 6% of property value for stamp duty and registration as a rule of thumb — use the stamp duty calculator for the exact state figure.
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