Free EMI Calculator
Loan EMI
Calculator
Calculate your exact monthly EMI for any loan. See the complete amortization schedule — how much goes to principal and interest every single month.
₹50L
Home Loan @ 8.5%
₹43,391
Monthly EMI (20 yrs)
₹54.14L
Total Interest Paid
1
Home Loan Details
Loan Amount
₹50,00,000
₹
Annual Interest Rate
8.5%
1%30%
Loan Tenure
20 Years
1 yr30 yrs
🏦 Current home loan rates in India range from 8.35% – 9.5% (2025). SBI, HDFC & LIC Housing offer the lowest rates for salaried applicants. A higher credit score (750+) can help you negotiate a lower rate and save lakhs over the tenure.
2
Your EMI Breakdown
Monthly EMI
₹43,391
for ₹50L at 8.5% over 20 years
Principal Amount
₹50.00 L
Total Interest
₹54.14 L
Total Payment
₹1.04 Cr
Interest Ratio
52.0%
Principal ₹50.00 L
Interest ₹54.14 L
Principal
48.0%
Interest
52.0%
3
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Amortization Schedule
| Month | EMI | Principal | Interest | Balance | Paid % |
|---|