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Home Loan Calculator

EMI, down payment and total cost of buying a home on loan.

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EMI, down payment and total cost of buying a home on loan.

Property price (₹)Down payment (%)Interest rate (% p.a.)Tenure (years)Registration & other costs (%)

Monthly EMI: ₹55,541
Loan amount: ₹64.00 lakh
Cash needed upfront: ₹21.60 lakh
Total interest: ₹69.30 lakh
Total cost of the home: ₹1.55 crore

How is this calculated?

Formula: Loan = price − down payment; the EMI formula is then applied. Stamp duty and registration are added to the upfront cash requirement.

Your entries are user inputs; rates and returns you cannot control are assumptions. Results are illustrative, not a statutory computation.

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How this calculator works

Loan = price − down payment; the EMI formula is then applied. Stamp duty and registration are added to the upfront cash requirement.

Statutory limits used here reflect FY 2025-26 (AY 2026-27). Results are illustrative and do not constitute tax, legal or investment advice. Speak to a Bluman Chartered Accountant before acting on them.

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