Home Loan Repayment Calculator — India
Work out your repayments, what the loan costs in total, and how much an extra repayment saves you. Figures below assume 8.5% over 30 years. Free, and no sign-up.
Common India loan amounts
| Loan amount | Monthly repayment | Total interest |
|---|---|---|
| ₹20,00,000 | ₹15,378 | ₹35,36,177 |
| ₹35,00,000 | ₹26,912 | ₹61,88,310 |
| ₹50,00,000 | ₹38,446 | ₹88,40,443 |
| ₹75,00,000 | ₹57,669 | ₹1,32,60,664 |
| ₹1,00,00,000 | ₹76,891 | ₹1,76,80,885 |
| ₹1,50,00,000 | ₹1,15,337 | ₹2,65,21,328 |
Frequently asked questions
How are India home loan repayments calculated?
Repayments use the standard amortisation formula: the balance accrues interest at the periodic rate, and a level repayment covers that interest plus a slice of principal. Early payments are mostly interest; later ones are mostly principal.
Does paying extra actually help?
Yes, substantially. Extra repayments come straight off the principal, so they reduce every future interest charge. On a long loan even a small regular amount can cut years off the term.
Is this calculator free?
Yes. It is free, requires no account, and nothing you enter is saved or sent anywhere — the calculation runs entirely in your browser.
Work out your own numbers
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Estimate only. Assumes a fixed rate and no fees; lenders accrue interest daily and may charge account or discharge fees. Not financial advice.