Home Loan EMI Calculator India 2025
Calculate your Home Loan EMI for FY 2025-26 with our free Home Loan EMI Calculator, designed for Indian borrowers. Estimate your monthly EMI, total interest, and tax benefits instantly.
Home loans help you achieve homeownership in cities like Mumbai, Delhi, or Bengaluru, with tax deductions under Sections 24(b) and 80C. Use our tool to plan your repayments and explore our PPF Calculator or Income Tax Calculator for more financial insights.
Why Use Our Home Loan EMI Calculator?
Plan your home loan repayments with our free EMI calculator for FY 2025-26, tailored for Indian borrowers.
- Instant EMI and total interest calculations for up to 30 years.
- Detailed year-wise amortization schedule.
- Reflects tax benefits under Sections 24(b) and 80C.
Home Loan EMI Calculator for FY 2025-26
Estimate your monthly repayments with interest rates from 8.5% to 9.5%.
Online Home Loan Repayment Calculator
Get instant loan projections for informed financial planning.
Calculate Your Home Loan EMI
| Year | Principal Paid (₹) | Interest Paid (₹) | Balance (₹) |
|---|
Important Home Loan Deadlines FY 2025-26
- Tax Deduction Claim (Section 24(b)): March 31, 2026
Frequently Asked Questions
What is a Home Loan EMI Calculator?
A Home Loan EMI Calculator is an online tool that calculates the Equated Monthly Installment (EMI), total interest, and total payment for a home loan based on loan amount, interest rate, and tenure.
How is Home Loan EMI calculated?
EMI is calculated using the formula: EMI = [P * r * (1+r)^n] / [(1+r)^n - 1], where P is the loan amount, r is the monthly interest rate, and n is the tenure in months.
What are the tax benefits on home loans in FY 2025-26?
Home loan borrowers can claim deductions up to ₹2 lakh on interest under Section 24(b), ₹1.5 lakh on principal under Section 80C, and additional benefits under Section 80EEA for first-time buyers.
What is the typical home loan interest rate in India for 2025?
Home loan interest rates in 2025 typically range from 8.5% to 9.5% per annum, depending on the lender and RBI policies.
Who is eligible for a home loan in India in 2025?
Resident individuals, salaried or self-employed, aged 21–65, with a stable income and credit score above 700, are eligible for home loans.
Can I prepay my home loan in 2025?
Yes, prepayments are allowed, but fixed-rate loans may incur penalties up to 2% of the outstanding amount, depending on the lender.
What is the maximum home loan tenure in 2025?
The maximum home loan tenure is typically 30 years, subject to the borrower’s age at loan maturity.
How does home loan EMI affect my budget in 2025?
EMI should ideally not exceed 50% of your monthly income to maintain financial stability. Use this calculator to plan your budget.
How to compare home loans in India in 2025?
Compare interest rates, processing fees, and prepayment terms across lenders. Use our Personal Loan EMI Calculator for alternative financing options.