Home Loan EMI Calculator
See 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.
Note: Actual EMI may vary based on processing fees, insurance premiums, and how the bank compounds interest. Numbers here are for planning only.
Get a 6-page construction cost report for your plot. Line-item breakdown, Basic/Standard/Premium comparison, hidden costs. ₹99, instant download.
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 →
No sign-up. Quick answers on your phone.