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🏠 Home Loan EMI Calculator India — Amortisation Schedule
Monthly EMI, total interest paid, and year-by-year amortisation schedule with optional prepayment impact.
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Projection table
How is home loan EMI calculated?▾
EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P = principal, r = monthly interest rate, n = total months. For a ₹50L loan at 8.5% for 20 years: monthly rate = 0.7083%, n = 240, EMI ≈ ₹43,391.
Does prepayment save significant interest?▾
Yes, significantly. Even ₹5,000/month extra prepayment on a ₹50L loan at 8.5% for 20 years can save ₹12–15 lakhs in interest and close the loan 4–5 years early.