Home Loan Property

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Prepayment Savings Calculator

Use the Prepayment Savings Calculator to estimate interest savings and reduce your loan tenure through prepayments.

100%Free to Use

PDFExport Ready

Step 1 – Select Calculator

Choose Your Loan Type

Select a tab above, adjust your parameters and get an instant breakdown.

Home Loan EMI Calculator

Fixed & floating rate, processing fee, insurance – full cost breakdown instantly.

Rate Type:

Loan Amount₹80 L

₹

25L 50L 75L 80L 1 Cr 3 Cr

₹1L₹10Cr₹20Cr₹30Cr₹40Cr₹50Cr

Interest Rate (% p.a.)

1%5%10%15%20%

Loan Tenure (Years)

1 yr102030 yrs

Processing Fee (%)

Insurance (%)

Amortization Schedule ▼

Year	Principal	Interest	Outstanding

Monthly EMI

₹-

Fixed Rate

Loan Amount₹-

Processing Fee₹-

Insurance Premium₹-

Total Interest₹-

Total Payable₹-

Net Disbursal₹-

Principal–

Interest–

Fee+Ins–

Interest as % of Total Cost

–

*Indicative only. Lender rates & fees may vary.

Loan Against Property

EMI calc with processing fee & insurance, or compare old vs new LAP offer.

Mode:

Property Value₹1 Cr

₹

50L 1 Cr 2 Cr 5 Cr

₹1L₹10Cr₹20Cr₹30Cr₹40Cr₹50Cr

LTV Ratio (%)

1%20%40%60%80%100%

Interest Rate (% p.a.)

1%5%10%15%20%

Tenure (Years)

1 yr5101520 yrs

Processing Fee (%)

Insurance (%)

Amortization ▼

Year	Principal	Interest	Outstanding

Monthly EMI

₹-

Eligible Loan: ₹-

Eligible Loan (LTV)₹-

Processing Fee₹-

Insurance Premium₹-

Total Interest₹-

Total Payable₹-

Net Disbursal₹-

Principal–

Interest–

Fee+Ins–

*LTV depends on lender policy and property type.

Personal Loan EMI Calculator

Processing fee + GST (18%), insurance as % of loan, net disbursal clearly shown.

Rate Method:

Loan Amount₹5 L

₹

1L 3L 5L 10L

₹1L₹20L₹40L₹60L₹80L₹1Cr

Interest Rate (% p.a.)

1%6%12%18%24%30%36%

Tenure (Years)

1234567 yrs

Processing Fee (%)

Insurance (% of Loan)

Amortization Schedule ▼

Year	Principal	Interest	Outstanding

Monthly EMI

₹-

Reducing Balance

Loan Amount₹-

Processing Fee₹-

GST on Fee (18%)₹-

Insurance Premium₹-

Total Interest₹-

Total EMI Payments₹-

Net Disbursal₹-

Principal–

Interest–

Fee+GST+Ins–

*Flat rate: interest on original principal throughout tenure.

Business Loan Calculator

Term loan, bullet repayment & working capital – with moratorium, processing fee & insurance.

Loan Type:

Loan Amount₹25 L

₹

10L 25L 50L 1 Cr 5 Cr

₹1L₹4Cr₹8Cr₹12Cr₹16Cr₹20Cr

Interest Rate (% p.a.)

1%6%12%18%24%30%36%

Tenure (Years)

1 yr51015 yrs

Moratorium Period (Months)

06121824 mo

Processing Fee (%)

Insurance (%)

Amortization Schedule ▼

Year	Principal	Interest	Outstanding

Monthly EMI

₹-

per month

Principal Amount₹-

Processing Fee₹-

Insurance Premium₹-

Moratorium Interest₹0

Total Interest₹-

Total Payable₹-

Net Disbursal₹-

Principal–

Interest–

Fee+Ins–

*Bullet: interest monthly, principal at end. WC shows 12-month cycle.

Balance Transfer Calculator

Full cost analysis: transfer fees, insurance on new loan, prepayment penalty & true net savings.

Current Loan

Outstanding Balance (₹)

₹

EMIs Paid (Months)

Prepayment Penalty (%)

Current Rate (%)

1%10%20%30%

Remaining Tenure (Months)

1mo60mo180mo360mo

New Lender

New Rate (%)

1%10%20%30%

New Tenure (Months)

1mo60mo180mo360mo

Processing Fee (%)

₹

Insurance on New Loan (%)

Monthly EMI Saving

₹-

per month after transfer

Current EMI₹-

New EMI₹-

Remaining Interest (Current)₹-

Total Interest (New Lender)₹-

Gross Interest Saved₹-

Processing Fee + GST 18%₹-

Insurance on New Loan₹-

Prepayment Penalty₹-

Total Transfer Costs₹-

Net Savings After All Costs

₹-

–

Loan Against Securities

Unlock liquidity from equity, mutual funds or bonds. Processing fee deducted from disbursal.

Interest:

Security:

Portfolio / Security Value₹20 L

₹

5L 10L 20L 50L 1 Cr

₹1L₹20Cr₹40Cr₹60Cr₹80Cr₹100Cr

LTV Eligibility (%)

1%25%50%75%90%

Interest Rate (% p.a.)

1%5%10%15%20%

Tenure (Months)

1 mo1224364860 mo

Processing Fee (%)

Monthly Interest Payable

₹-

Loan: ₹-

Eligible Loan (LTV)₹-

Processing Fee₹-

Portfolio Margin / Haircut₹-

Total Interest Payable₹-

Total Amount to Repay₹-

Net Liquidity (After Fee)₹-

Portfolio Utilization

–

SI vs CI Difference₹-

*LTV ratios are indicative. Lenders apply their own haircut.

Prepayment Savings Tool

Calculate interest savings from a lump-sum prepayment – via tenure reduction or EMI reduction.

Benefit via:

Original Loan Amount₹50 L

₹

20L 50L 1 Cr 2 Cr

₹1L₹10Cr₹20Cr₹30Cr₹40Cr₹50Cr

Interest Rate (% p.a.)

1%6%12%18%24%30%36%

Original Tenure (Years)

1102030 yrs

EMIs Already Paid

060120240360

Prepayment Amount₹5 L

₹

1L 5L 10L 25L

₹0₹10L₹50L₹1Cr

Original EMI

₹-

New EMI / Tenure: –

Outstanding Before Prepay₹-

Outstanding After Prepay₹-

Original Total Interest₹-

New Total Interest₹-

Total Interest Saved

₹-

Months Saved–

*Prepayment charges may apply. Check your loan agreement.

Affordability Calculator

Find out the maximum home loan you qualify for based on your income, obligations & lender norms.

Employment:

Monthly Gross Income₹1.00 L

₹

50K 1L 2L 5L 10L

₹10K₹2.5L₹5L₹7.5L₹10L

Existing EMI Obligations / Month₹0

₹

₹0₹1.25L₹2.5L₹3.75L₹5L

Interest Rate (% p.a.)

1%5%10%15%20%

Loan Tenure (Years)

1102030 yrs

FOIR / EMI-to-Income (%)

Co-applicant Income (₹/mo)

₹

Max Loan Eligible

₹-

Salaried — Standard FOIR

Combined Monthly Income₹-

Max Allowable EMI₹-

Available EMI (after obligations)₹-

Existing EMI Load₹-

Eligible Property Value (80% LTV) ₹-

Total Interest Payable₹-

Total Amount Payable₹-

FOIR Used-%

Min. Down-Payment Required (20%)

₹-

–

*FOIR = Fixed Obligation to Income Ratio. Lender norms vary by profile.

Down-Payment Calculator

Break down the total funds needed upfront — down-payment, stamp duty, registration & other charges.

Property Type:

Property Value₹80 L

₹

30L 50L 80L 1 Cr 2 Cr

₹1L₹10Cr₹20Cr₹30Cr₹40Cr₹50Cr

LTV — Loan-to-Value (%)

10%30%50%70%90%

Stamp Duty Rate (%)

Registration Fee (%)

GST on Construction (%)

Other Charges (%)

Home Loan Interest Rate (% p.a.)

1%5%10%15%20%

Loan Tenure (Years)

1102030 yrs

Total Funds Required Upfront

₹-

Residential Property

Property Value₹-

Home Loan Amount (LTV)₹-

Down-Payment Required₹-

Stamp Duty₹-

Registration Fee₹-

GST on Construction₹-

Other Charges₹-

Monthly EMI on Loan ₹-

Down-Payment–

Govt. Charges–

Other Costs–

Upfront Cost as % of Property Value

*Stamp duty & registration rates vary by state. GST applies to under-construction properties.

LOAN PLANNING MADE EASY

How to Use This Calculator

From estimate to application — plan every step with confidence

Select Loan Type

Use the Prepayment Savings Calculator to estimate interest savings and reduce your loan tenure through prepayments.

Enter Parameters

Adjust amount, rate and tenure using sliders or type directly — results update instantly

Review Breakdown

Get EMI, total interest, processing fee, net disbursal and a visual pie chart

Export & Apply

Download a PDF summary or click Apply to talk to a loan advisor immediately

Prepayment Savings Calculator — Plan Your Loan Closure Faster

Indicative estimates only. Actual EMI, interest, fees and terms are subject to lender policies, CIBIL score, income verification and prevailing rates. Not financial advice.