Repayment planning estimate

Home Loan EMI Calculator with Prepayment & Amortization Schedule

Apna monthly home loan EMI calculate karein, amortization schedule dekhein aur simulate karein kaise extra prepayment se laakhon ka interest bacha sakte hain.

Home Loan Amount

₹

₹50,00,000

₹5 L₹5 Cr

Presets:

Interest Rate (% p.a.)

6.5 %15 %

Presets:

Tenure (Years)

1 Yr30 Yr

Presets:

Monthly EMI

₹43,391

Due monthly for 240 months

Principal Amount₹50,00,000

Total Interest₹54,13,941

Total Amount PayablePrincipal + Total Interest

₹1,04,13,840

Monthly EMI₹43,391

Principal Amount

₹50,00,000(48%)

Total Interest

₹54,13,941(52%)

Prepayment SimulatorOptional

Dekhein kaise extra prepayment karne se aapka interest aur loan tenure tezi se kam hota hai.

Prepayment Mode

Tenure Reduction (Max Savings)Keep EMI constant; loan closes early

EMI Reduction (Lower Monthly EMI)Keep tenure fixed; reduce monthly burden

Lump-Sum PrepaymentOne-time

Prepayment Amount (₹)

₹

Prepayment Month

Recurring PrepaymentOngoing

Recurring Amount (₹)

₹

Frequency

Starting Month

Total Interest Saved:₹0

Tenure Kam Hua:0 Months

Amortization Schedule

Click any year row to view individual monthly principal & interest allocations.

Year	Opening Balance	Principal Paid	Interest Paid	Prepayment	Closing Balance
Calculate loan parameters to generate yearly and monthly amortization schedule.

Loan options dekhein

Catalogue examples aur source-linked reviews padhein. Rates aur eligibility har lender se check karni hongi.

Is amount ke liye loans dekhein Planning examples compare karein

Amount aur tenure aage jayenge. Comparison ki apni input limits aur borrower-profile assumptions hain; wahan edit karein.

Frequently Asked Questions

India me Home Loan EMI kaise calculate hoti hai?

Home Loan EMI reducing balance method se calculate hoti hai: EMI = [P x R x (1+R)^N]/[(1+R)^N-1], jisme P Principal amount, R monthly interest rate aur N tenure in months hai.

Home loan principal prepayment karne se paise kaise bachte hain?

Prepayment ka poora amount directly aapke principal balance ko kam karta hai. Remaining balance kam hote hi future interest accrual kam ho jaata hai, jisse 15-30 saal me lakhs of rupees bachte hain.

Prepayment ke waqt loan tenure kam karein ya monthly EMI?

Tenure reduction choose karne se sabse zyada interest bachta hai kyunki compounding kam saalon ke liye hoti hai. EMI kam karne se monthly cash flow me relief milta hai par total interest savings kam hoti hai.

Kya India me floating rate home loan par prepayment penalty lagti hai?

RBI regulations ke mutabik individual borrowers ke floating interest rate home loans par banks ya NBFCs koi bhi prepayment penalty ya foreclosure charges nahi laga sakte.