Loan repayment
Monthly EMI
₹17,356
| Loan amount | |
| Total interest | |
| Total you pay |
EMI calculator
Enter the loan amount, interest rate and tenure to see your monthly EMI and how much interest you’ll pay over the loan.
Year-by-year schedule
| Year | Principal paid | Interest paid | Balance |
|---|
Common questions
How is EMI calculated?
EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where P is the loan amount, r is the yearly rate divided by 12 and by 100, and n is the number of months.
Why is most of my early EMI interest?
Interest is charged on the balance you still owe. In the first years the balance is highest, so more of each EMI goes to interest. The schedule above shows the split for every year.
Does paying extra early help?
Yes. A part-payment cuts the balance, so every later EMI carries less interest. Banks don’t charge for part-paying a floating-rate home loan taken by an individual.
Estimates for planning only, not financial or tax advice. Kyun is independent and not linked to the Government of India. Rates and rules last checked 20 October 2026.
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