Home Loan Calculator
Updated July 2026
Work out the EMI on a home loan after your down payment, and see the total interest across the tenure. On a 20-year loan the interest often approaches the principal itself — worth seeing before you commit.
Home Loan
Frequently Asked Questions
What tax benefit does a home loan give?
Principal repayment qualifies under Section 123 (formerly 80C) up to ₹1,50,000 a year, and interest under Section 24(b) up to ₹2,00,000 for a self-occupied property.
How much down payment do I need?
Lenders typically fund 75–90% of property value, so expect to put down 10–25% yourself, plus stamp duty and registration.
Should I choose a shorter tenure?
A shorter tenure means a higher EMI but far less total interest. Use the calculator to compare 15, 20 and 25 years on the same amount.