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Home Loan EMI Calculator

Reducing balance method पर आधारित सटीक बैंक कैलकुलेशन

₹
%
साल

Monthly EMI

₹43,391

Estimated Monthly Repayment

Total Interest (कुल ब्याज)

₹54L

52.0%

Total Payment (कुल भुगतान)

₹104L

Principal + Int.

Annual Balance Timeline

साल 1

₹49L

साल 2

₹48L

साल 3

₹47L

साल 4

₹45L

साल 5

₹44L

साल 6

₹43L

साल 7

₹41L

साल 8

₹39L

साल 9

₹37L

साल 10

₹35L

साल 11

₹33L

साल 12

₹30L

साल 13

₹27L

साल 14

₹24L

साल 15

₹21L

साल 16

₹18L

साल 17

₹14L

साल 18

₹10L

साल 19

₹5L

साल 20

₹0L

₹

Tax Benefits

Income Tax की धारा 24(b) के तहत, आप सालाना ₹2 लाख तक की ब्याज़ कटौती (interest deduction) क्लेम कर सकते हैं।

Wealth Tip

हर साल सिर्फ 1 एक्स्ट्रा EMI भरने से आपका लोन 4-5 साल जल्दी ख़त्म हो सकता है!

DISCLAIMER: These calculations are for illustrative purposes only and do not constitute professional financial advice. Actual returns or terms may vary based on market conditions or institution policies.

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Home Loan EMI Calculator - बैंक-ग्रेड सटीक गणना का उपयोग

हमारे बैंक-ग्रेड कैलकुलेटर के साथ अपने होम लोन की EMI का सही अंदाज़ा लगायें। चार्ट और amortization schedule की मदद से अपनी repayment plan करें।

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Updated Dec 2025 | FY 2025-26 Compliant
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मुख्य विशेषताएं

Home Loan EMI Calculator - बैंक-ग्रेड सटीक गणना Online Calculator India - Result Preview and Financial Dashboard
  • •Calculates monthly EMI based on Loan Amount, Interest Rate, and Tenure
  • •Supports large loan amounts common in Indian metro cities
  • •Provides a detailed yearly and monthly amortization schedule
  • •Highlights the total interest paid over the entire loan life
  • •Includes an interactive chart for easy visualization of loan balance
  • •Fast, simple, and mobile-friendly for on-the-go planning

Home Loan EMI Calculator - बैंक-ग्रेड सटीक गणना की गणना कैसे करें

चरण-दर-चरण मार्गदर्शिका

  1. 1.Input the 'Principal Amount' (The total loan you want to borrow).
  2. 2.Enter the 'Annual Interest Rate' offered by your bank in %.
  3. 3.Select the 'Loan Tenure' in years (typically up to 20 or 30 years).
  4. 4.The calculator will instantly show your 'Monthly EMI' and 'Total Interest'.
  5. 5.Scroll down to see the full repayment schedule and yearly breakdown.

गणना कैसे काम करती है

Home Loan EMI Calculator - बैंक-ग्रेड सटीक गणना Mathematical Formula and Calculation Logic - Official India Standards
EMI = [P × r × (1+r)^n] / [(1+r)^n - 1]

The EMI is calculated using the standard formula: [P x R x (1+R)^N]/[(1+R)^N-1], where P is the principal, R is the monthly interest rate, and N is the duration in months. Most Indian banks use this reducing balance method.

महत्वपूर्ण धारणाएं

  • • Interest is compounded monthly
  • • Monthly payments are made at the end of each period
  • • Does not account for processing fees or insurance costs
  • • Assumes a constant interest rate throughout the tenure
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Home Buying Scenarios

₹50 Lakh Loan: At 8.5% for 20 years, your monthly EMI would be approximately ₹43,391.
Total Interest: On a ₹50 Lakh loan for 20 years, you actually pay back over ₹1 Crore in total (Principal + Interest).
Tenure Impact: Reducing the tenure from 20 to 15 years increases EMI but saves you Lakhs in interest outgo.
Rate Sensitivity: Even a 0.5% drop in interest rates can save you over ₹4-5 Lakh on a large long-term loan.
MyIndianCalculator Team

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Developed by a multidisciplinary team of financial analysts, medical professionals, and data engineers. Our algorithms are rigorously calibrated against official Indian standards (RBI, SEBI, ICMR, WHO) to ensure precision for your financial planning and health monitoring needs.

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इस कैलकुलेटर को एम्बेड करें

अपनी वेबसाइट या ब्लॉग पर इस Home Loan EMI Calculator - बैंक-ग्रेड सटीक गणना का उपयोग करना चाहते हैं? नीचे दिए गए स्निपेट को कॉपी करें।

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Home Loan EMI Calculator - बैंक-ग्रेड सटीक गणना

हमारे बैंक-ग्रेड कैलकुलेटर के साथ अपने होम लोन की EMI का सही अंदाज़ा लगायें। चार्ट और amortization schedule की मदद से अपनी repayment plan करें।

Most Indian banks use the 'Reducing Balance Method'. The interest is calculated on the outstanding principal at the end of every month, meaning as you pay your EMIs, the interest component decreases and the principal component increases.
Yes, under Section 24(b) of the Income Tax Act, you can claim a deduction of up to ₹2 Lakh per annum on the interest paid for a self-occupied property. This benefit is only available under the Old Tax Regime.
The principal component of your Home Loan EMI is eligible for a deduction of up to ₹1.5 Lakh per year under Section 80C. Note that this is a shared limit with other investments like EPF and Life Insurance.
As per RBI mandates, Indian banks and HFCs cannot charge any prepayment or foreclosure penalties on floating-rate home loans. However, fixed-rate loans may still carry a penalty (usually 2-3%).
Floating rates are usually lower and follow market trends (linked to RLLR or MCLR), making them popular in India. Fixed rates offer stability but are higher and may not benefit from future RBI repo rate cuts.
No, it is not legally mandatory to buy Home Loan protection insurance (Term Insurance) to get a loan. However, most banks strongly recommend it to protect your family from the debt burden in unforeseen circumstances.