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EMI Calculator
Home, car or personal loan — slide the amount, rate and tenure to see your exact monthly EMI and the real interest cost.
Monthly EMI
₹22,493
Standard reducing-balance EMI formula. Processing fees, insurance and prepayments not included.
How EMI is calculated
EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan amount, r the monthly interest rate and n the number of months. Early EMIs are interest-heavy; principal repayment accelerates in later years — which is why prepayments early in the tenure save the most interest.
Tax note: home-loan interest is deductible up to ₹2,00,000/year u/s 24(b) (self-occupied, old regime) and principal within the ₹1.5L 80C limit.
Home loan? Claim up to ₹2L interest deduction.
Section 24(b) + 80C principal — our experts optimise your ITR around your loan.
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