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Home Loan EMI Calculator
Find out your monthly EMI, total interest, and how much you'll actually pay over the life of the loan. Uses current 2026 bank rates for AP/TG.
₹25,00,000
1,00,0002,00,00,000
20 years
130
8.75 % p.a.
614
Your monthly EMI
₹22,093/mo
Principal₹25,00,000
Total interest₹28,02,264
Total payable₹53,02,264
You pay this much extra as interest
112% of the loan amount
Note: Actual EMI may vary based on processing fees, insurance premiums, and how the bank compounds interest. Numbers here are for planning only.
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How EMI is calculated
EMI = [P × R × (1+R)^N] / [(1+R)^N − 1] where P = loan amount, R = monthly interest rate, N = number of months.
Most SBI / HDFC / ICICI home loans in 2026 offer 8.35–9.5% p.a. for AP/TG salaried borrowers with CIBIL 750+. Self-employed usually pay 0.25–0.5% higher. See our complete home loan documents checklist →