India Home Loan Calculator 2025
🏠 Home Loan —
Instant EMI Calculator
Calculate your exact home loan EMI. Compare tenures from 5 to 30 years.
8.5–9.5%Typical Rate
30 YearsMax Tenure
90%Max LTV
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Home Loan Details
₹ 3,000,000
₹5L₹5Cr
₹
9.0%
6%15%
% p.a.
20 Years
5 yr30 yrs
Years
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Year-wise Amortization| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance |
|---|
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Loan SummaryMonthly EMI
₹ —
Loan Amount
₹ —
Total Interest
₹ —
Total Payable
₹ —
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Related Calculators❓
Frequently Asked QuestionsWhat is the home loan rate in 2025?+
SBI, HDFC, ICICI: 8.5%–9.5% for salaried. Repo-linked floating rates change with RBI policy.
How much home loan on ₹60K salary?+
Banks allow 50–55% FOIR. Available EMI ~₹30–33K. At 9% for 20 years = ~₹33–37 lakhs.
What is LTV ratio?+
Max 90% LTV for loans under ₹30L, 80% for ₹30–75L, 75% above ₹75L. You pay rest as down payment.
Documents needed?+
Aadhaar, PAN, 3 months salary slips, 2 years ITR, 6 months bank statement, property agreement.
Tax benefit on home loan?+
Section 24(b): up to ₹2L interest deduction. Section 80C: up to ₹1.5L principal repayment.
⚠️ EMI figures are estimates for planning purposes only. Actual EMI may vary based on bank processing fees and charges. Always confirm with your lender.