Home Loan EMI Calculator EMI Calculator Calcu

Home Loan EMI 
Calculator Apply Online →
HDFC  Home Loan EMI Calculator
Home Loan EMI

Calculator
Loan Amount ₹ 3,00,00,000
₹1 Lac ₹10 Cr
Tenure (Years) 20
1 30
Interest Rate (% P.A.) 8.5 %
0.5 15
Monthly Home Loan EMI
₹
2,60,347
View Details
Principal Amount
₹ 3,00,00,000
Interest Amount
₹ 3,24,83,273
Total Amount Payable
₹ 6,24,83,273
Apply Now →
These calculators are provided only as general

self-help Planning Tools. Results depend on
many factors, including the assumptions you
provide. We do not guarantee their accuracy, or
applicability to your circumstances.
NRIs should input net income.
Home Loan EMI Calculator
HDFC's home loan calculator helps you

calculate your Home Loan Emi with ease.
HDFC's EMI calculator for a home loan can help
you make an informed decision about buying a
new house. The EMI calculator is useful in
planning your cashflows for servicing your
home loan. HDFC offers home loans with EMIs
starting from ₹769 per lac and interest rates
starting from 8.50%* p.a. with additional
features such as flexible repayment options
and top-up loan. With a low-interest rate and
long repayment tenure, HDFC ensures a
comfortable home loan EMI for you. With our
reasonable EMIs, HDFC Home loan is lighter on
your pocket. Calculate the EMI that you will be
required to pay for your home loan with our
easy to understand home loan EMI calculator.
What is Home Loan EMI Calculator?
Home Loan EMI Calculator assists in calculation

of the loan installment i.e. EMI towards your
home loan. It an easy to use calculator and acts
as a financial planning tool for a home buyer.
What is Home Loan EMI?
EMI stands for Equated Monthly Installment. It

includes repayment of the principal amount
and payment of the interest on the outstanding
amount of your home loan. A longer loan
tenure (for a maximum period of 30 years)
helps in reducing the EMI.
Illustration: How is EMI on Loan Calculated?
Formula for EMI Calculation is -
P x R x (1+R)^N / [(1+R)^N-1] where-
P = Principal loan amount
N = Loan tenure in months
R = Monthly interest rate
The rate of interest (R) on your loan is

calculated per month.
R = Annual Rate of interest/12/100
If rate of interest is 7.2% p.a. then r =

7.2/12/100 = 0.006
For example, If a person avails a loan of

₹10,00,000 at an annual interest rate of
7.2% for a tenure of 120 months (10
years), then his EMI will be calculated as
under:
EMI= ₹10,00,000 * 0.006 * (1 +

0.006)120 / ((1 + 0.006)120 - 1) =
₹11,714.
The total amount payable will be ₹11,714

* 120 = ₹14,05,703. Principal loan
amount is ₹10,00,000 and the Interest
amount will be ₹4,05,703
Calculating the EMI manually using the formula

can be tedious.
HDFC’s EMI Calculator can help you calculate

your loan EMI with ease.
How does EMI calculation help in

planning the home purchase?
HDFC’s Home Loan EMI calculator gives a clear

understanding of the amount that needs to be
paid towards the EMIs and helps make an
informed decision about the outflow towards
the housing loan every month. This helps
estimate the loan amount that can be availed
and helps in assessing the own contribution
requirements and cost of the property.
Therefore knowing the EMI is crucial for
calculation of home loan eligibility and planning
your home buying journey better.
What are HDFC Home Loans Key Features

and Benefits?
Home Loans for purchase of a flat, row

house, bungalow from private developers in
approved projects
Home Loans for purchase of properties

from Development Authorities such as DDA,
MHADA etc
Loans for purchase of properties in an

existing Co-operative Housing Society or
Apartment Owners' Association or
Development Authorities settlements or
privately built up homes
Loans for construction on a freehold / lease

hold plot or on a plot allotted by a
Development Authority
Expert legal and technical counselling to

help you make the right home buying
decision
Integrated branch network for availing and

servicing the Home Loans anywhere in India
Special arrangement with AGIF for Home

Loans for those employed in the Indian
Army.
Our tailor made home loans caters to

customers of all age groups and employment
category. We provide longer tenure loans of up
to 30 years, telescopic repayment option, under
adjustable rate option that specifically caters to
younger customers to become home owners at
an early stage of their life.
With our experience of providing home finance

for over 4 decades, we are able to understand
the diverse needs of our customers and fulfill
their dream of owning a home .
How to use HDFC's Home Loan EMI

Calculator?
All you need to do is input the following to

arrive at your EMI:
Loan Amount: Input the desired loan

amount that you wish to avail
Loan Tenure (In Years): Input the desired
loan term for which you wish to avail the
housing loan. A longer tenure helps in
enhancing the eligibility
Interest Rate (% P.A.): Input interest rate.
'Click Here to Know the Prevailing Home

Loan Interest Rates'
What is Home Loan Amortization
Schedule?
Loan amortization is the process of reducing

the debt with regular payments over the loan
period. A home loan amortization schedule is a
table giving the details of the repayment
amount, principal and interest component.
HDFC’s EMI calculators give a fair

understanding about the ratio of the principal
amount to the interest due, based on the loan
tenure and interest rates. EMI calculator also
provides an amortization table elucidating the
repayment schedule. HDFC’s home loan
calculator provides a complete break-up of the
interest and principal amount.
HDFC offers various Repayment Plans

enhancing Home Loan Eligibility:
HDFC offers various repayment plans for

maximizing home loan eligibility to suit diverse
needs.
Step Up Repayment Facility (SURF)
SURF offers an option where the repayment

schedule is linked to the expected growth in
your income. You can avail a higher amount of
loan and pay lower EMIs in the initial years.
Subsequently, the repayment is accelerated
proportionately with the assumed increase in
your income.
Flexible Loan Installments Plan (FLIP)
FLIP offers a customized solution to suit your

repayment capacity which is likely to alter
during the term of the loan. The loan is
structured in such a way that the EMI is higher
during the initial years and subsequently
decreases in proportion to the income.
Tranche Based EMI
If you purchase an under construction property

you are generally required to service only the
interest on the loan amount drawn till the final
disbursement of the loan and pay EMIs
thereafter. In case you wish to start principal
repayment immediately you may opt to tranche
the loan and start paying EMIs on the
cumulative amounts disbursed.
Accelerated Repayment Scheme
This option provides you the flexibility to

increase the EMIs every year in proportion to
the increase in your income which will result in
you repaying the loan much faster.
Telescopic Repayment Option
With this option you get a longer repayment

tenure of up to 30 years. This means an
enhanced loan amount eligibility and smaller
EMIs.
Estimate EMIs of your housing loan by using

our feature rich EMI calculator, now!
After getting an estimate of EMI using the

calculator, you can apply for a home loan online
from the comfort of your living room easily
with Online Home Loans by HDFC.
What is a Pre-Approved Home Loan?
HDFC also offers a facility of a pre-approved

home loan even before you have identified your
dream home. A pre-approved home loan is an
in-principal approval for a loan given on the
basis of your income, creditworthiness and
financial position.
Apply for a home loan online with HDFC, click

Apply Online
In case you would like us to get in touch with

you, kindly leave your details with us.
Click here to know more about home loans.
Home Loan Amortization

Schedule
Year Opening Balance EMI*12
1 3,00,00,000 31,24,164
2 2,94,02,931 31,24,164
3 2,87,53,087 31,24,164
4 2,80,45,803 31,24,164
5 2,72,76,000 31,24,164
6 2,64,38,155 31,24,164
7 2,55,26,251 31,24,164
8 2,45,33,744 31,24,164
9 2,34,53,508 31,24,164
10 2,22,77,789 31,24,164
11 2,09,98,147 31,24,164
12 1,96,05,396 31,24,164
13 1,80,89,539 31,24,164
14 1,64,39,694 31,24,164
15 1,46,44,017 31,24,164
16 1,26,89,619 31,24,164
17 1,05,62,470 31,24,164
18 82,47,301 31,24,164
19 57,27,491 31,24,164
20 29,84,953 31,24,164
Home Loan FAQs

What does an EMI mean? 
When does my home loan EMIs 
start?
What are the benefits of using an 
EMI Calculator for a home loan?
What is a pre-EMI interest on a 
home loan?
Can I change my home loan EMI 
date? If yes, how can I do that?
How does your home loan 
repayment work?
How do I repay a home loan? 
What is a Home loan and how does 
it work?
What is the maximum home loan 
that I can obtain?
How do I apply for a home loan? 
How will HDFC decide the home loan 

amount i am eligible for?
Can I get an approval for a home 
loan while I decide which property, I

should purchase?
What is part/subsequent 
disbursement of a home loan?
What are the different types of 
Home Loans available in India?
View All Faqs →
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Home Loan EMI 

Calculator Apply Online →

HDFC  Home Loan EMI Calculator

Home Loan EMI

Interest Rate (% P.A.) 8.5 %

Monthly Home Loan EMI

These calculators are provided only as general

Home Loan EMI Calculator

HDFC's home loan calculator helps you

What is Home Loan EMI Calculator?

Home Loan EMI Calculator assists in calculation

What is Home Loan EMI?

EMI stands for Equated Monthly Installment. It

Illustration: How is EMI on Loan Calculated?

Formula for EMI Calculation is -

P x R x (1+R)^N / [(1+R)^N-1] where-

P = Principal loan amount

N = Loan tenure in months

R = Monthly interest rate

The rate of interest (R) on your loan is

R = Annual Rate of interest/12/100

If rate of interest is 7.2% p.a. then r =

For example, If a person avails a loan of

EMI= ₹10,00,000 * 0.006 * (1 +

The total amount payable will be ₹11,714

Calculating the EMI manually using the formula

HDFC’s EMI Calculator can help you calculate

How does EMI calculation help in

HDFC’s Home Loan EMI calculator gives a clear

What are HDFC Home Loans Key Features

Home Loans for purchase of a flat, row

Home Loans for purchase of properties

Loans for purchase of properties in an

Loans for construction on a freehold / lease

Expert legal and technical counselling to

Integrated branch network for availing and

Special arrangement with AGIF for Home

Our tailor made home loans caters to

With our experience of providing home finance

How to use HDFC's Home Loan EMI

All you need to do is input the following to

Loan Amount: Input the desired loan

'Click Here to Know the Prevailing Home

Loan amortization is the process of reducing

HDFC’s EMI calculators give a fair

HDFC offers various Repayment Plans

HDFC offers various repayment plans for

Step Up Repayment Facility (SURF)

SURF offers an option where the repayment

Flexible Loan Installments Plan (FLIP)

FLIP offers a customized solution to suit your

Tranche Based EMI

If you purchase an under construction property

Accelerated Repayment Scheme

This option provides you the flexibility to

Telescopic Repayment Option

With this option you get a longer repayment

Estimate EMIs of your housing loan by using

After getting an estimate of EMI using the