Home Loan Calculator
Complete home loan cost breakdown including EMI, processing fees, and insurance. Plan your home purchase with full transparency.
Monthly EMI
₹43,391
Total Interest
₹54.14 L
Processing Fee
₹25,000
Insurance
₹25,000
Total Payment
₹1.04 Cr
Total Cost
₹1.05 Cr
Year-by-Year Breakdown
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | 99,509 | 4.21 L | 49.00 L |
| 2 | 1.08 L | 4.12 L | 47.92 L |
| 3 | 1.18 L | 4.03 L | 46.74 L |
| 4 | 1.28 L | 3.92 L | 45.46 L |
| 5 | 1.40 L | 3.81 L | 44.06 L |
Home loan estimate — verify with your bank
This calculation is an indicative estimate based on the inputs provided and standard market formulas. Actual loan terms, eligibility, interest rates, processing fees, taxes and total cost will vary by lender, your credit profile, employer category, property type, location and prevailing RBI / bank policies on the day of disbursal.
Processing fee shown is a one-time charge at disbursal and does not include GST (typically 18% on processing fee). Insurance is modelled as a one-time single premium; some lenders charge annual premiums instead. Final approved rate depends on your credit score, employer category, property type and loan-to-value ratio.
Before making any borrowing or property-purchase decision, please verify the final numbers with your bank, a SEBI-registered financial advisor, or a qualified Chartered Accountant. GrehYug is not a financial intermediary and does not earn commission on any loan or property transaction.
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