Home Loan Property

All-in-One Loan Planner

Calculate Your Dream Home Loan Easily

Precise EMI, interest, fees & net disbursal — all in one place.

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.