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Home Loan EMI Calculator

Calculate your monthly EMI, total interest payable, and year-by-year amortization schedule.

Updated May 2026

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Loan Details

₹

₹75.00 Lakh

%

Current rates: SBI from 7.85% · HDFC from 8.25% · ICICI from 8.75%

Rates as of May 2026. Actual rate depends on your credit score and lender.

Your monthly EMI

₹65,087

for 20 yr

Total you pay back

₹1.56 Crore

incl. interest

Extra as interest

₹81.21 Lakh

52% of loan

For a ₹75.00 Lakh loan, you'll pay ₹65,087 every month for 20 years. By the end, you'll have paid ₹1.56 Crore in total — that's ₹81.21 Lakh extra as interest.

Principal48%
PrincipalInterest
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Current Home Loan Rates (May 2026)

SBIPSU bank
From 7.85%
HDFC BankPrivate bank
From 8.25%
ICICI BankPrivate bank
From 8.75%

Rates are indicative and vary based on your credit score, loan amount, and employment type.

What Affects Your EMI

  • Loan amount: Higher principal = higher EMI. A larger down payment reduces your loan.
  • Interest rate: Even 0.25% difference saves lakhs over 20 years.
  • Tenure: Longer tenure lowers EMI but significantly increases total interest.
  • Credit score: CIBIL above 750 gets the best rates. Below 700 may face rejection.

Smart Borrowing Tips

  • Prepay in the first 5-7 years to save maximum interest — interest is front-loaded.
  • Choose the shortest tenure you can comfortably afford.
  • Review your rate annually — a balance transfer can save lakhs if rates fall.
  • Keep your EMI-to-income ratio under 40% for financial comfort.

Frequently Asked Questions

Monthly EMI

₹65,087

₹75.00 Lakh · 20yr · 8.5%

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