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India · INR

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HomeCalc

Mortgage calculator for India

See what you pay each month, and how the payment moves when the rate changes.

No local legal figures for India

HomeCalc has no data on fees, taxes or lending limits in India. The loan maths and INR formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

Your loan

Example values: replace them with your own.

₹
₹
20% of the price · Loan ₹1,520,000.00
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
₹
%
Default in month 24: 0% of the amount prepaid. Change it to match your loan contract.
After prepaying

Results

Monthly payment

₹13,190.91

India · INR · Basic: fees entered by you

Highest payment
₹13,192.83
Total interest
₹1,645,820.32
Total paidPrincipal plus interest
₹3,165,820.32

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for India: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in India. This site never stores the numbers you enter; they live only in the page address.

The monthly rate is the annual rate spread evenly over the months; amounts are rounded to the smallest unit of INR. Lenders in India may work out interest differently.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment, starting at ₹13,190.91. Exact figures are in the schedule table.Year 1: interest ₹128,039.47, principal ₹30,251.45Year 2: interest ₹125,365.52, principal ₹32,925.40Year 3: interest ₹122,455.22, principal ₹35,835.70Year 4: interest ₹119,287.67, principal ₹39,003.25Year 5: interest ₹115,840.12, principal ₹42,450.80Year 6: interest ₹112,087.86, principal ₹46,203.06Year 7: interest ₹108,003.94, principal ₹50,286.98Year 8: interest ₹103,559.03, principal ₹54,731.89Year 9: interest ₹98,721.23, principal ₹59,569.69Year 10: interest ₹93,455.80, principal ₹64,835.12Year 11: interest ₹87,724.98, principal ₹70,565.94Year 12: interest ₹81,487.59, principal ₹76,803.33Year 13: interest ₹74,698.87, principal ₹83,592.05Year 14: interest ₹67,310.12, principal ₹90,980.80Year 15: interest ₹59,268.22, principal ₹99,022.70Year 16: interest ₹50,515.50, principal ₹107,775.42Year 17: interest ₹40,989.13, principal ₹117,301.79Year 18: interest ₹30,620.72, principal ₹127,670.20Year 19: interest ₹19,335.83, principal ₹138,955.09Year 20: interest ₹7,053.50, principal ₹151,239.34per yearper month40,00080,000120,000160,0005,00010,00015,000Year 55Year 1010Year 1515Year 2020

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

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