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India Home Loan EMI Calculator — Calculates Equated Monthly Instalments using the reducing balance method as per RBI guidelines. Amounts in Indian Rupees (₹).
Home Loan EMI Calculator
Loan Amount
₹
%
Loan Tenure
months
An EMI (Equated Monthly Instalment) is the fixed monthly payment for a home loan in India, covering both principal repayment and interest. Indian home loan rates (2024) typically range 8.5–10.5% per annum, set by the RBI repo rate.
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Pro Tip
Every 1% increase in interest rate on a ₹50L, 20-year loan adds approximately ₹3,000–4,000 to the monthly EMI. Lock in fixed rates when repo rates are low.
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