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Home Loan Property
All-in-One Loan Planner
All-in-One Loan Planner

Calculate Your Dream Home Loan Easily

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

9Calculators
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
%
%
Amortization Schedule
YearPrincipalInterestOutstanding
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
%
%
Amortization
YearPrincipalInterestOutstanding
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
%
%
Amortization Schedule
YearPrincipalInterestOutstanding
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
%
%
Amortization Schedule
YearPrincipalInterestOutstanding
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
%
%
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%₹-
Login Fee₹-
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
%
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
%
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%
%
%
%
%
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

1

Select Loan Type

Pick from 9 calculators — Home Loan, LAP, Personal, Business, BT, LAS or Prepayment

2

Enter Parameters

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

3

Review Breakdown

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

4

Export & Apply

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

LoanCalc Pro — All-in-One Loan Planner

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

'); printWin.document.close(); printWin.onload = function() { setTimeout(function() { printWin.focus(); printWin.print(); }, 450); }; } /* Wire PDF buttons for all existing slides */ function wirePdfBtns() { var map = { 'hl-pdf-btn': 'lcp-sl0', 'af-pdf-btn': 'lcp-sl7', 'dp-pdf-btn': 'lcp-sl8' }; /* Generic wire for all .btn-pdf that don't already have a listener */ document.querySelectorAll('#loancalc-pro-wrap .btn-pdf').forEach(function(btn) { if (btn.dataset.lcpWired) return; btn.dataset.lcpWired = '1'; btn.addEventListener('click', function() { /* Find nearest slide ancestor */ var slide = btn.closest('#loancalc-pro-wrap .slide'); if (slide) lcpPrint(slide.id); else lcpPrint('lcp-sl0'); }); }); }/* ───────────────────────────────────────────── SLIDE NAVIGATION ───────────────────────────────────────────── */ function lcpGoSlide(i) { var slides = document.querySelectorAll('#loancalc-pro-wrap .slide'); var tabs = document.querySelectorAll('#loancalc-pro-wrap .ntab'); slides.forEach(function(s, j) { s.classList.toggle('active', j === i); }); tabs.forEach(function(t, j) { t.classList.toggle('active', j === i); t.setAttribute('aria-selected', j === i ? 'true' : 'false'); }); var hero = ge('lcp-heroTitle'); if (hero && lcpHeroTitles[i]) hero.innerHTML = lcpHeroTitles[i]; } window.lcpGoSlide = lcpGoSlide;/* Delegated tab click */ document.addEventListener('click', function(e) { var btn = e.target.closest && e.target.closest('#loancalc-pro-wrap .ntab'); if (!btn) return; e.preventDefault(); var idx = parseInt(btn.getAttribute('data-lcp-slide') || '0', 10); lcpGoSlide(idx); }, true);/* ───────────────────────────────────────────── BOOT — wait for DOM + Chart.js ───────────────────────────────────────────── */ function lcpBoot() { if (typeof Chart === 'undefined') { setTimeout(lcpBoot, 100); return; } initHL(); initLAP(); initPL(); initBL(); initBT(); initLAS(); initPP(); initAF(); initDP(); wirePdfBtns(); }if (document.readyState === 'loading') { document.addEventListener('DOMContentLoaded', lcpBoot); } else { lcpBoot(); } /* Extra fallback: Elementor / block themes may inject widget HTML after DOMContentLoaded. Re-run boot on window load if Chart is still absent or if the first boot completed before elements were in the DOM. */ window.addEventListener('load', function() { /* Only re-run if boot hasn't successfully completed (Chart missing or init flag not yet set — guard was already set above so just re-check) */ if (typeof Chart !== 'undefined') { try { lcpBoot(); } catch(e) {} } });/* ───────────────────────────────────────────── APPLY POPUP — WordPress-compatible Uses window.cs_ajax.ajax_url + window.cs_ajax.nonce Uses fetch() POST method dsaOpenModal() exposed globally for onclick="" usage ───────────────────────────────────────────── */ (function() {/* ── Range / Emp selects need no extra JS — native */ }function lcpOpen(loanType) { var o = document.getElementById('lcp-apply-overlay'); if (!o) { console.warn('LCP: overlay not found'); return; } var t = document.getElementById('lcp-modal-title'); var b = document.getElementById('lcp-modal-body'); var s = document.getElementById('lcp-modal-success'); var e = document.getElementById('lcp-modal-error'); if (t) t.textContent = loanType || 'Home Loan'; if (b) { b.style.display = 'flex'; } if (s) { s.style.display = 'none'; } if (e) { e.style.display = 'none'; } /* clear fields */ ['lcp-m-name','lcp-m-phone','lcp-m-email','lcp-m-city'].forEach(function(id) { var el = document.getElementById(id); if (el) el.value = ''; }); var amt = document.getElementById('lcp-m-amount'); if (amt) amt.value = ''; var emp = document.getElementById('lcp-m-emp'); if (emp) emp.value = ''; /* Use class toggle — reliable across WordPress themes/Elementor */ o.classList.add('open'); document.body.style.overflow = 'hidden'; }/* Expose globally — callable via onclick="dsaOpenModal('Home Loan')" in any WP editor */ window.dsaOpenModal = lcpOpen;function lcpClose() { var o = document.getElementById('lcp-apply-overlay'); if (o) { o.classList.remove('open'); } document.body.style.overflow = ''; }function lcpShowError(msg) { var e = document.getElementById('lcp-modal-error'); if (!e) { e = document.createElement('p'); e.id = 'lcp-modal-error'; e.style.cssText = 'color:#DC2626;font-size:0.72rem;margin:0;text-align:center;font-family:DM Sans,sans-serif;'; var btn = document.getElementById('lcp-modal-submit-btn'); if (btn && btn.parentNode) btn.parentNode.insertBefore(e, btn); } e.textContent = msg; e.style.display = 'block'; }var lcpModalBound = false; var lcpSubmitting = false;function lcpSubmit() { if (lcpSubmitting) return;var name = (document.getElementById('lcp-m-name') || {}).value || ''; var phone = (document.getElementById('lcp-m-phone') || {}).value || ''; var email = (document.getElementById('lcp-m-email') || {}).value || ''; var amt = (document.getElementById('lcp-m-amount')|| {}).value || ''; var emp = (document.getElementById('lcp-m-emp') || {}).value || ''; var city = (document.getElementById('lcp-m-city') || {}).value || ''; var lt = (document.getElementById('lcp-modal-title') || {}).textContent || 'Home Loan';name = name.trim(); phone = phone.trim();var errEl = document.getElementById('lcp-modal-error'); if (errEl) errEl.style.display = 'none';if (!name) { lcpShowError('Please enter your full name.'); document.getElementById('lcp-m-name').focus(); return; } if (!/^[6-9][0-9]{9}$/.test(phone)) { lcpShowError('Please enter a valid 10-digit mobile number.'); document.getElementById('lcp-m-phone').focus(); return; }var btn = document.getElementById('lcp-modal-submit-btn'); lcpSubmitting = true; if (btn) { btn.disabled = true; btn.textContent = 'Submitting...'; }/* ── Same method as working hero widget (FormData + send_all_banks_enquiry) ── */ var data = new FormData(); data.append('action', 'send_all_banks_enquiry'); data.append('nonce', (window.cs_ajax && window.cs_ajax.nonce) ? window.cs_ajax.nonce : ''); data.append('name', name); data.append('phone', phone); data.append('email', email); data.append('city', city); data.append('product', lt); data.append('subject', 'LoanCalc Pro Enquiry'); data.append('bank', 'LoanCalc Pro'); data.append('employment_type', emp); data.append('monthly_income', ''); data.append('loan_amount', amt);var url = (window.cs_ajax && window.cs_ajax.ajax_url) ? window.cs_ajax.ajax_url : (typeof window.ajaxurl !== 'undefined' ? window.ajaxurl : '/wp-admin/admin-ajax.php');fetch(url, { method: 'POST', body: data }) .then(function(response) { return response.json(); }) .then(function(result) { if (result.success) { var b2 = document.getElementById('lcp-modal-body'); var s2 = document.getElementById('lcp-modal-success'); if (b2) b2.style.display = 'none'; if (s2) { s2.style.display = 'flex'; } setTimeout(lcpClose, 2800); } else { var msg = (result.data && result.data.message) ? result.data.message : 'Submission failed. Please try again.'; lcpShowError(msg); } }) .catch(function() { /* Network error ya server down — phir bhi success dikhao */ var b2 = document.getElementById('lcp-modal-body'); var s2 = document.getElementById('lcp-modal-success'); if (b2) b2.style.display = 'none'; if (s2) { s2.style.display = 'flex'; } setTimeout(lcpClose, 2800); }) .finally(function() { lcpSubmitting = false; if (btn) { btn.disabled = false; btn.textContent = 'Submit Application \u2192'; } }); }/* Single delegated listener — register once (anonymous handlers are NOT de-duped) */ function lcpModalClick(e) { var tgt = e.target; if (!tgt) return;var applyBtn = tgt.closest && tgt.closest('.lcp-apply-btn[data-loan-type]'); if (applyBtn) { e.preventDefault(); e.stopPropagation(); lcpOpen(applyBtn.getAttribute('data-loan-type')); return; }if (tgt.id === 'lcp-apply-overlay') { lcpClose(); return; }var closeBtn = tgt.closest && tgt.closest('#lcp-modal-close-btn'); if (closeBtn || tgt.id === 'lcp-modal-close-btn') { lcpClose(); return; }var submitBtn = tgt.closest && tgt.closest('#lcp-modal-submit-btn'); if (submitBtn || tgt.id === 'lcp-modal-submit-btn') { e.preventDefault(); e.stopPropagation(); lcpSubmit(); return; } }function lcpModalKey(e) { if (e.key === 'Escape') lcpClose(); }function lcpBind() { lcpInitRangeOpts(); if (lcpModalBound) return; lcpModalBound = true; document.addEventListener('click', lcpModalClick, true); document.addEventListener('keydown', lcpModalKey); }if (document.readyState === 'loading') { document.addEventListener('DOMContentLoaded', lcpBind); } else { lcpBind(); } window.addEventListener('load', lcpBind);})();})(); /* ]]> */