Tools v
All Tools → EMI Calculator ROI Calculator Stamp Duty Loan Eligibility Rental Yield Affordability Rent vs Buy Construction Cost RERA Check Area Converter AI Vastu AI Advisor
Insights v
All Insights → Market Trends City Reports Market News RERA Updates Investment Guides Blog NRI Corner AI Advisor
Developers v
All Developers → Top Rated Explore & Filter RERA Verified Compare Builders Buyer Reviews Delivery Tracker List Your Project
Advisors v
All Advisors → Top Rated RERA Verified NRI Specialists Find by City Compare Advisors Reviews Join as Advisor →
Vendors
Sign Up Free Login + Post Property
Home / Tools / EMI Calculator
💰 Free Calculator · No Credit Card · No Hidden Charges

Home Loan
EMI Calculator India 2026 — Real Bank Rates

Calculate your exact monthly EMI using real 2026 rates from SBI, HDFC, ICICI and more. Get a full amortization breakdown, compare tenures and see prepayment impact — all free.

✓
SBI 8.40% · HDFC 8.50% · ICICI 8.75% — Real 2026 rates
✓
Year-by-year amortization schedule
✓
Compare 10, 15, 20, 25 and 30 year tenures
✓
Principal vs interest visual split
✓
Register once · Unlock all 12 tools free forever
₹0
Cost
6
Banks
2026
Updated
Instant
Result
🔓

Get Free Access

Register once to unlock all 12 free tools.
No payment. No credit card. Ever.

+91

By continuing you agree to our Terms of Service.
We never spam. Unsubscribe anytime.

🔒 Secure ✓ Free 🚫 No Spam
22 people viewing now
14,892 views this week
124 enquiries today
Last from Delhi · 5 min ago
Home Loan · EMI Calculator · India 2026

Calculate Your Monthly EMI

Enter your loan details below — results update instantly as you type.

Loan Details
Enter loan amount, bank and tenure.
Monthly EMI
₹65,820
20yr · ₹75L at 8.75% p.a.
Principal
₹75.0L
Total Interest
₹83.2L
Total Payment
₹1.58Cr
Down Payment
₹18.75L
Principal 47%
Interest 53%
Home Loan Rates · May 2026
SBI8.40%
HDFC Bank8.50%
ICICI Bank8.75%
Axis Bank8.75%
Kotak Mahindra8.65%
Common Questions

Frequently Asked Questions

How is home loan EMI calculated?⌄
Our EMI calculator uses the standard reducing balance method used by all Indian banks. Simply enter your loan amount, select your bank and choose the tenure — your exact monthly EMI is calculated instantly. No spreadsheets needed.
What is the SBI home loan rate in 2026?⌄
SBI starts at 8.40% p.a. floating in May 2026. Rates vary by credit score, amount and employment. Verify directly at sbi.co.in before finalising.
How much EMI for ₹50 lakh home loan?⌄
At 8.75% for 20 years: ₹44,017/month. At 8.40% for 20 years: ₹43,168/month. Use the calculator above for your exact figures.
What is a good EMI to income ratio?⌄
Banks allow max 50% FOIR. Financial advisors recommend keeping housing EMI under 30% of net income for financial comfort and flexibility.
Does prepayment reduce EMI or tenure?⌄
Most banks reduce tenure by default. You can request EMI reduction. Reducing tenure saves more — a ₹5L prepayment in year 3 on ₹75L can save ₹12–18L total.
What are hidden costs in a home loan?⌄
Processing fee (0.5–1%), stamp duty on agreement, legal and valuation charges, MODT charges and insurance — typically 1–2% extra. Always ask for a full cost sheet before signing.
⚠️

Disclaimer: All EMI calculations are indicative only based on the standard reducing balance formula. Actual EMI may vary by bank terms, credit score, processing fees and taxes. Rates shown are approximate and subject to change. PropertyPointers is not a bank and does not provide loans. Always obtain a formal quote from your bank before any financial decision.

📩

Yeh result apne aap ko bhejo

Email karo aur baad mein dekho. Plus — PropertyPointers ke weekly market updates bhi milenge. Free.

No spam. Kabhi nahi. Unsubscribe anytime.