💳 Free EMI Calculator

Loan EMI Calculator India 2025

Calculate your monthly EMI, total interest and complete amortisation schedule for Home, Car, Personal and Education loans — instantly, free.

Home Loan EMI Calculator

₹30 Lakhs
8.5% per annum
20 Years (240 months)
Monthly EMI
₹26,035
Principal
Total Interest
Loan Amount₹30,00,000
Total Interest₹32,48,400
Total Amount Payable₹62,48,400
Loan Tenure240 months
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Compare Home Loan Rates — Save Lakhs
Check rates from 20+ banks. SBI, HDFC, ICICI, Axis and more — free comparison.
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📅 Amortisation Schedule (Year-by-Year)

YearPrincipal PaidInterest PaidTotal PaidBalance
💡 Loan Tips for Indian Borrowers
Credit Score750+ CIBIL score gets you the lowest rates. Check yours free on Paytm or CIBIL website before applying.
Part-PrepaymentEven ₹5,000 extra/month can cut your home loan tenure by 4-5 years. Most banks allow free prepayment after 12 months.
Balance TransferIf your rate is above 9%, check for balance transfer options. Even 0.5% reduction saves ₹2-4 lakhs over 20 years.
Tax BenefitsHome loan — Section 24 (₹2L interest deduction) + Section 80C (₹1.5L principal). Education loan — Section 80E (full interest deduction for 8 years).
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