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- Home Loan EMI Calculator
Home Loan EMI Calculator
Home Loan Calculator
- Lowest home loan EMI as on 21 Jan 2021 is ₹ 649 per lakh.
- Banks offering lowest EMI on home loan are SBI, HDFC, Citibank. Check Best Offers
Loan Amount | 10 Year Loan | 15 Year loan | 30 Year loan |
---|---|---|---|
₹ 10 Lakh | ₹ 11,482 | ₹ 8,849 | ₹ 6,486 |
₹ 25 Lakh | ₹ 28,706 | ₹ 22,123 | ₹ 16,215 |
₹ 40 Lakh | ₹ 45,930 | ₹ 35,396 | ₹ 25,944 |
Bank/NBFCs | Rate* | EMI per Lakh* | Action |
---|---|---|---|
SBI | 6.80% | ₹ 652 | Check Eligibility |
HDFC | 6.80% | ₹ 652 | Check Eligibility |
ICICI Bank | 7.10% | ₹ 672 | Check Eligibility |
* Starting From
Home Loan EMI of All Banks in India Jan 2021
Bank | Lowest EMI per lakh | Max Tenure |
---|---|---|
SBI Home Loan EMI Calculator | ₹ 652 | 30 Years |
HDFC Home Loan EMI Calculator | ₹ 652 | 30 Years |
Citibank Home Loan EMI Calculator | ₹ 691 | 25 Years |
Bank of Baroda Home Loan EMI Calculator | ₹ 655 | 30 Years |
ICICI Bank Home Loan EMI Calculator | ₹ 672 | 30 Years |
Axis Bank | ₹ 659 | 30 Years |
PNB Housing Finance | ₹ 689 | 30 Years |
LIC Housing Finance | ₹ 659 | 30 Years |
Indiabulls | ₹ 856 | 25 Years |
DBS Bank | ₹ 793 | 20 Years |
Aavas Financiers | ₹ 734 | 30 Years |
Aadhar Housing Finance | ₹ 952 | 30 Years |
Kotak Bank | ₹ 874 | 20 Years |
Allahabad Bank | ₹ 852 | 20 Years |
Bank of Maharashtra | ₹ 748 | 30 Years |
Federal Bank | ₹ 758 | 30 Years |
Indian Bank | ₹ 809 | 20 Years |
Karur Vysya Bank | ₹ 785 | 25 Years |
OBC | ₹ 772 | 25 Years |
South Indian Bank | ₹ 737 | 30 Years |
United Bank of India | ₹ 734 | 30 Years |
Tata Capital | ₹ 808 | 30 Years |
Andhra Bank | ₹ 744 | 30 Years |
Canara Bank | ₹ 737 | 30 Years |
DCB Bank | ₹ 981 | 20 Years |
GIC Housing Finance | ₹ 982 | 20 Years |
Indian Overseas Bank | ₹ 696 | 30 Years |
Punjab and Sind Bank | ₹ 737 | 30 Years |
Syndicate Bank | ₹ 734 | 30 Years |
LT Housing Finance | ₹ 870 | 30 Years |
IDFC First Bank | ₹ 841 | 30 Years |
Standard Chartered Bank | ₹ 926 | 20 Years |
Central Bank of India | ₹ 655 | 30 Years |
Dhan Laxmi Bank | ₹ 799 | 20 Years |
HSBC Bank | ₹ 815 | 25 Years |
Jammu And Kashmir Bank | ₹ 938 | 15 Years |
Lakshmi Vilas Bank | ₹ 945 | 20 Years |
RBL Bank | ₹ 941 | 25 Years |
UCO Bank | ₹ 659 | 30 Years |
IIFL | ₹ 783 | 30 Years |
Piramal Housing Finance | ₹ 805 | 30 Years |
Sundaram Home Finance | ₹ 874 | 20 Years |
PNB | ₹ 675 | 30 Years |
Bank of India | ₹ 655 | 30 Years |
Corporation Bank | ₹ 758 | 30 Years |
Edelweiss | ₹ 944 | 25 Years |
IDBI Bank | ₹ 692 | 30 Years |
Karnataka Bank | ₹ 772 | 30 Years |
Reliance Capital | ₹ 878 | 30 Years |
Union Bank of India | ₹ 751 | 30 Years |
Yes Bank | ₹ 898 | 25 Years |
Bajaj Finserv | ₹ 769 | 20 Years |
Factors affecting Home loan EMI
Home Loan EMI can be calculated using an online Housing Loan Calculator which takes into account factors such as loan amount, rate of interest and the tenure for which you are planning to avail the loan.
- Loan amount – is the amount you want to borrow to fulfil your needs. Home loan amount depends on value of the property. Higher the loan amount, higher will be the EMI.
- Rate of interest – is the interest charged on borrowed loan amount and is one of the components of monthly EMI along with principal repayment. Lower the home loan interest rate, lower the EMI.
- Loan Tenure – Longest loan tenure available across banks in India for buying a house on loan is 30 years, subject to borrower’s current age and retirement age. Convenient tenure on a home loan can be calculated using home loan tenure calculator.
Housing Loan Interest Calculator
You can calculate the interest you will pay over the loan tenure, especially in long tenure home loans of 20 - 30 years using a home loan installment calculator which can also be called as Interest Calculator. Longer the loan tenure, higher will be the interest charges you will pay.
Following table provides a comparison of EMI and interest to be paid on a ₹ 1 Lakh loan at different tenures:
Calculated Results for Home Loan EMI | 5 years | 10 years | 15 years | 30 years |
---|---|---|---|---|
EMI for a loan amount ₹ 1 lakh at 6.75% | ₹ 1,968 | ₹ 1,148 | ₹ 885 | ₹ 649 |
Total amount you pay back to the bank including principal and interest | ₹ 1.18 Lakh | ₹ 1.38 Lakh | ₹ 1.59 Lakh | ₹ 2.33 Lakh |
Interest you have to pay during the loan tenure | ₹ 18,080 | ₹ 37,760 | ₹ 59,300 | ₹ 1.34 Lakh |
- At the lowest home loan rate of 6.75% the lowest EMI for maximum tenure of 30 years is ₹ 649 per lakh. You will pay an interest of ₹ 1,33,640 over a period of 30 years.
- If you decide to take a loan for 15 years only, you will pay a higher EMI of ₹ 885. However, interest calculation comes to only ₹ 59,300 over a period of 15 years, which is significantly lower than the calculated amount for a 30 years loan.
Housing Loan EMI are equal monthly installments that you pay to the bank to repay your loan. EMI through home loan EMI calculator online is calculated using three parameters of loan amount, tenure and interest rate of the loan. The table below provides a comparison of EMI for different loan amounts and tenure at today’s best interest rate of 6.75%.
EMI for various home loan amounts | 15 years | 20 years | 25 years | 30 years |
---|---|---|---|---|
₹ 16,00,000 | ₹ 14,159 | ₹ 12,166 | ₹ 11,055 | ₹ 10,378 |
₹ 20,00,000 | ₹ 17,698 | ₹ 15,207 | ₹ 13,818 | ₹ 12,972 |
₹ 25,00,000 | ₹ 22,123 | ₹ 19,009 | ₹ 17,273 | ₹ 16,215 |
₹ 30,00,000 | ₹ 26,547 | ₹ 22,811 | ₹ 20,727 | ₹ 19,458 |
₹ 50,00,000 | ₹ 44,245 | ₹ 38,018 | ₹ 34,546 | ₹ 32,430 |
- Today’s lowest EMI for a ₹ 16 Lakh home loan is ₹ 10,378 at the lowest rate of 6.75% and maximum tenure of 30 years. EMI for ₹ 16 Lakh home loan is ₹ 14,159 taken for a shorter period of 15 years.
- Current EMI for ₹ 25 Lakh loan is ₹ 16,215 and EMI for ₹ 30 Lakh loan is ₹ 19,458 for a 30 year loan at the minimum interest rate.
In summary, a higher loan amount taken for a shorter tenure will translate into high EMIs compared to a smaller loan amount taken for a longer tenure.
Amortization Schedule
An amortization schedule refers to a complete table of periodic loan payments presenting the principal and interest amount that comprise each payment until the loan is repaid. In simple terms, it provides a roadmap of spreading out a credit option like home loans into a series of fixed payments. While each monthly payment remains the same, the payment is made up of parts that vary over time. It assists banks and financial institutes to keep a track of what they owe and when, as well as forecast the outstanding balance or interest at any point of the repayment schedule.
Home Loan Amortization Calculator
An amortization schedule is a table of periodic loan payments that shows the amount of principal and the amount of interest that comprise each payment until the loan is paid off at the end of its term.
In the Amortization schedule, your Home Loan monthly EMI will be equal, but the component of EMI, which consists of interest payment and principal payment will not remain the same every month, it keeps on changing.
Illustration: How to read an amortization scheduleSuppose if you take a Home Loan of ₹ 20 Lakh for 30 years at an interest rate of 6.75%. EMI calculated for this loan amount is ₹ 12,972 and the total annual EMIs to be paid annually is ₹ 1,55,664. The EMI schedule of loan for 30 years is explained below in the table –
Amortization Schedule for a Home Loan of ₹ 20 Lakh over the 30 years
Year | Interest paid during the year | Principal repaid during the year | Total amount paid during the year (Interest + Principal) | Outstanding Principal |
---|---|---|---|---|
2021 | ₹ 1,34,349 | ₹ 21,315 | ₹ 1,55,664 | ₹ 19,78,685 |
Jan | ₹ 11,250 | ₹ 1,722 | ₹ 12,972 | ₹ 19,98,278 |
Feb | ₹ 11,240 | ₹ 1,732 | ₹ 12,972 | ₹ 19,96,546 |
Mar | ₹ 11,231 | ₹ 1,741 | ₹ 12,972 | ₹ 19,94,805 |
Apr | ₹ 11,221 | ₹ 1,751 | ₹ 12,972 | ₹ 19,93,053 |
May | ₹ 11,211 | ₹ 1,761 | ₹ 12,972 | ₹ 19,91,292 |
Jun | ₹ 11,201 | ₹ 1,771 | ₹ 12,972 | ₹ 19,89,521 |
Jul | ₹ 11,191 | ₹ 1,781 | ₹ 12,972 | ₹ 19,87,740 |
Aug | ₹ 11,181 | ₹ 1,791 | ₹ 12,972 | ₹ 19,85,950 |
Sep | ₹ 11,171 | ₹ 1,801 | ₹ 12,972 | ₹ 19,84,149 |
Oct | ₹ 11,161 | ₹ 1,811 | ₹ 12,972 | ₹ 19,82,337 |
Nov | ₹ 11,151 | ₹ 1,821 | ₹ 12,972 | ₹ 19,80,516 |
Dec | ₹ 11,140 | ₹ 1,832 | ₹ 12,972 | ₹ 19,78,685 |
2022 | ₹ 1,32,864 | ₹ 22,799 | ₹ 1,55,664 | ₹ 19,55,886 |
Jan | ₹ 11,130 | ₹ 1,842 | ₹ 12,972 | ₹ 19,76,843 |
Feb | ₹ 11,120 | ₹ 1,852 | ₹ 12,972 | ₹ 19,74,990 |
Mar | ₹ 11,109 | ₹ 1,863 | ₹ 12,972 | ₹ 19,73,128 |
Apr | ₹ 11,099 | ₹ 1,873 | ₹ 12,972 | ₹ 19,71,255 |
May | ₹ 11,088 | ₹ 1,884 | ₹ 12,972 | ₹ 19,69,371 |
Jun | ₹ 11,078 | ₹ 1,894 | ₹ 12,972 | ₹ 19,67,477 |
Jul | ₹ 11,067 | ₹ 1,905 | ₹ 12,972 | ₹ 19,65,572 |
Aug | ₹ 11,056 | ₹ 1,916 | ₹ 12,972 | ₹ 19,63,656 |
Sep | ₹ 11,046 | ₹ 1,926 | ₹ 12,972 | ₹ 19,61,730 |
Oct | ₹ 11,035 | ₹ 1,937 | ₹ 12,972 | ₹ 19,59,793 |
Nov | ₹ 11,024 | ₹ 1,948 | ₹ 12,972 | ₹ 19,57,845 |
Dec | ₹ 11,013 | ₹ 1,959 | ₹ 12,972 | ₹ 19,55,885 |
2023 | ₹ 1,31,277 | ₹ 24,387 | ₹ 1,55,664 | ₹ 19,31,499 |
Jan | ₹ 11,002 | ₹ 1,970 | ₹ 12,972 | ₹ 19,53,915 |
Feb | ₹ 10,991 | ₹ 1,981 | ₹ 12,972 | ₹ 19,51,934 |
Mar | ₹ 10,980 | ₹ 1,992 | ₹ 12,972 | ₹ 19,49,942 |
Apr | ₹ 10,968 | ₹ 2,004 | ₹ 12,972 | ₹ 19,47,938 |
May | ₹ 10,957 | ₹ 2,015 | ₹ 12,972 | ₹ 19,45,924 |
Jun | ₹ 10,946 | ₹ 2,026 | ₹ 12,972 | ₹ 19,43,897 |
Jul | ₹ 10,934 | ₹ 2,038 | ₹ 12,972 | ₹ 19,41,860 |
Aug | ₹ 10,923 | ₹ 2,049 | ₹ 12,972 | ₹ 19,39,811 |
Sep | ₹ 10,911 | ₹ 2,061 | ₹ 12,972 | ₹ 19,37,750 |
Oct | ₹ 10,900 | ₹ 2,072 | ₹ 12,972 | ₹ 19,35,678 |
Nov | ₹ 10,888 | ₹ 2,084 | ₹ 12,972 | ₹ 19,33,594 |
Dec | ₹ 10,876 | ₹ 2,095 | ₹ 12,972 | ₹ 19,31,499 |
2024 | ₹ 1,29,579 | ₹ 26,085 | ₹ 1,55,664 | ₹ 19,05,415 |
Jan | ₹ 10,865 | ₹ 2,107 | ₹ 12,972 | ₹ 19,29,392 |
Feb | ₹ 10,853 | ₹ 2,119 | ₹ 12,972 | ₹ 19,27,273 |
Mar | ₹ 10,841 | ₹ 2,131 | ₹ 12,972 | ₹ 19,25,141 |
Apr | ₹ 10,829 | ₹ 2,143 | ₹ 12,972 | ₹ 19,22,998 |
May | ₹ 10,817 | ₹ 2,155 | ₹ 12,972 | ₹ 19,20,843 |
Jun | ₹ 10,805 | ₹ 2,167 | ₹ 12,972 | ₹ 19,18,676 |
Jul | ₹ 10,793 | ₹ 2,179 | ₹ 12,972 | ₹ 19,16,497 |
Aug | ₹ 10,780 | ₹ 2,192 | ₹ 12,972 | ₹ 19,14,305 |
Sep | ₹ 10,768 | ₹ 2,204 | ₹ 12,972 | ₹ 19,12,101 |
Oct | ₹ 10,756 | ₹ 2,216 | ₹ 12,972 | ₹ 19,09,885 |
Nov | ₹ 10,743 | ₹ 2,229 | ₹ 12,972 | ₹ 19,07,656 |
Dec | ₹ 10,731 | ₹ 2,241 | ₹ 12,972 | ₹ 19,05,414 |
2025 | ₹ 1,27,763 | ₹ 27,901 | ₹ 1,55,664 | ₹ 18,77,514 |
Jan | ₹ 10,718 | ₹ 2,254 | ₹ 12,972 | ₹ 19,03,160 |
Feb | ₹ 10,705 | ₹ 2,267 | ₹ 12,972 | ₹ 19,00,894 |
Mar | ₹ 10,693 | ₹ 2,279 | ₹ 12,972 | ₹ 18,98,614 |
Apr | ₹ 10,680 | ₹ 2,292 | ₹ 12,972 | ₹ 18,96,322 |
May | ₹ 10,667 | ₹ 2,305 | ₹ 12,972 | ₹ 18,94,017 |
Jun | ₹ 10,654 | ₹ 2,318 | ₹ 12,972 | ₹ 18,91,699 |
Jul | ₹ 10,641 | ₹ 2,331 | ₹ 12,972 | ₹ 18,89,368 |
Aug | ₹ 10,628 | ₹ 2,344 | ₹ 12,972 | ₹ 18,87,023 |
Sep | ₹ 10,615 | ₹ 2,357 | ₹ 12,972 | ₹ 18,84,666 |
Oct | ₹ 10,601 | ₹ 2,371 | ₹ 12,972 | ₹ 18,82,295 |
Nov | ₹ 10,588 | ₹ 2,384 | ₹ 12,972 | ₹ 18,79,911 |
Dec | ₹ 10,575 | ₹ 2,397 | ₹ 12,972 | ₹ 18,77,514 |
2026 | ₹ 1,25,820 | ₹ 29,843 | ₹ 1,55,664 | ₹ 18,47,671 |
Jan | ₹ 10,561 | ₹ 2,411 | ₹ 12,972 | ₹ 18,75,103 |
Feb | ₹ 10,547 | ₹ 2,425 | ₹ 12,972 | ₹ 18,72,678 |
Mar | ₹ 10,534 | ₹ 2,438 | ₹ 12,972 | ₹ 18,70,240 |
Apr | ₹ 10,520 | ₹ 2,452 | ₹ 12,972 | ₹ 18,67,788 |
May | ₹ 10,506 | ₹ 2,466 | ₹ 12,972 | ₹ 18,65,323 |
Jun | ₹ 10,492 | ₹ 2,480 | ₹ 12,972 | ₹ 18,62,843 |
Jul | ₹ 10,478 | ₹ 2,493 | ₹ 12,972 | ₹ 18,60,350 |
Aug | ₹ 10,464 | ₹ 2,507 | ₹ 12,972 | ₹ 18,57,842 |
Sep | ₹ 10,450 | ₹ 2,522 | ₹ 12,972 | ₹ 18,55,321 |
Oct | ₹ 10,436 | ₹ 2,536 | ₹ 12,972 | ₹ 18,52,785 |
Nov | ₹ 10,422 | ₹ 2,550 | ₹ 12,972 | ₹ 18,50,235 |
Dec | ₹ 10,408 | ₹ 2,564 | ₹ 12,972 | ₹ 18,47,670 |
2027 | ₹ 1,23,742 | ₹ 31,921 | ₹ 1,55,664 | ₹ 18,15,749 |
Jan | ₹ 10,393 | ₹ 2,579 | ₹ 12,972 | ₹ 18,45,091 |
Feb | ₹ 10,379 | ₹ 2,593 | ₹ 12,972 | ₹ 18,42,498 |
Mar | ₹ 10,364 | ₹ 2,608 | ₹ 12,972 | ₹ 18,39,890 |
Apr | ₹ 10,349 | ₹ 2,623 | ₹ 12,972 | ₹ 18,37,268 |
May | ₹ 10,335 | ₹ 2,637 | ₹ 12,972 | ₹ 18,34,630 |
Jun | ₹ 10,320 | ₹ 2,652 | ₹ 12,972 | ₹ 18,31,978 |
Jul | ₹ 10,305 | ₹ 2,667 | ₹ 12,972 | ₹ 18,29,311 |
Aug | ₹ 10,290 | ₹ 2,682 | ₹ 12,972 | ₹ 18,26,629 |
Sep | ₹ 10,275 | ₹ 2,697 | ₹ 12,972 | ₹ 18,23,932 |
Oct | ₹ 10,260 | ₹ 2,712 | ₹ 12,972 | ₹ 18,21,220 |
Nov | ₹ 10,244 | ₹ 2,728 | ₹ 12,972 | ₹ 18,18,492 |
Dec | ₹ 10,229 | ₹ 2,743 | ₹ 12,972 | ₹ 18,15,749 |
2028 | ₹ 1,21,520 | ₹ 34,144 | ₹ 1,55,664 | ₹ 17,81,606 |
Jan | ₹ 10,214 | ₹ 2,758 | ₹ 12,972 | ₹ 18,12,991 |
Feb | ₹ 10,198 | ₹ 2,774 | ₹ 12,972 | ₹ 18,10,217 |
Mar | ₹ 10,182 | ₹ 2,789 | ₹ 12,972 | ₹ 18,07,427 |
Apr | ₹ 10,167 | ₹ 2,805 | ₹ 12,972 | ₹ 18,04,622 |
May | ₹ 10,151 | ₹ 2,821 | ₹ 12,972 | ₹ 18,01,801 |
Jun | ₹ 10,135 | ₹ 2,837 | ₹ 12,972 | ₹ 17,98,964 |
Jul | ₹ 10,119 | ₹ 2,853 | ₹ 12,972 | ₹ 17,96,111 |
Aug | ₹ 10,103 | ₹ 2,869 | ₹ 12,972 | ₹ 17,93,243 |
Sep | ₹ 10,087 | ₹ 2,885 | ₹ 12,972 | ₹ 17,90,358 |
Oct | ₹ 10,071 | ₹ 2,901 | ₹ 12,972 | ₹ 17,87,456 |
Nov | ₹ 10,054 | ₹ 2,918 | ₹ 12,972 | ₹ 17,84,539 |
Dec | ₹ 10,038 | ₹ 2,934 | ₹ 12,972 | ₹ 17,81,605 |
2029 | ₹ 1,19,142 | ₹ 36,521 | ₹ 1,55,664 | ₹ 17,45,084 |
Jan | ₹ 10,022 | ₹ 2,950 | ₹ 12,972 | ₹ 17,78,655 |
Feb | ₹ 10,005 | ₹ 2,967 | ₹ 12,972 | ₹ 17,75,688 |
Mar | ₹ 9,988 | ₹ 2,984 | ₹ 12,972 | ₹ 17,72,704 |
Apr | ₹ 9,971 | ₹ 3,000 | ₹ 12,972 | ₹ 17,69,703 |
May | ₹ 9,955 | ₹ 3,017 | ₹ 12,972 | ₹ 17,66,686 |
Jun | ₹ 9,938 | ₹ 3,034 | ₹ 12,972 | ₹ 17,63,652 |
Jul | ₹ 9,921 | ₹ 3,051 | ₹ 12,972 | ₹ 17,60,600 |
Aug | ₹ 9,903 | ₹ 3,069 | ₹ 12,972 | ₹ 17,57,532 |
Sep | ₹ 9,886 | ₹ 3,086 | ₹ 12,972 | ₹ 17,54,446 |
Oct | ₹ 9,869 | ₹ 3,103 | ₹ 12,972 | ₹ 17,51,343 |
Nov | ₹ 9,851 | ₹ 3,121 | ₹ 12,972 | ₹ 17,48,222 |
Dec | ₹ 9,834 | ₹ 3,138 | ₹ 12,972 | ₹ 17,45,084 |
2030 | ₹ 1,16,599 | ₹ 39,064 | ₹ 1,55,664 | ₹ 17,06,020 |
Jan | ₹ 9,816 | ₹ 3,156 | ₹ 12,972 | ₹ 17,41,928 |
Feb | ₹ 9,798 | ₹ 3,174 | ₹ 12,972 | ₹ 17,38,754 |
Mar | ₹ 9,780 | ₹ 3,191 | ₹ 12,972 | ₹ 17,35,563 |
Apr | ₹ 9,763 | ₹ 3,209 | ₹ 12,972 | ₹ 17,32,353 |
May | ₹ 9,744 | ₹ 3,227 | ₹ 12,972 | ₹ 17,29,126 |
Jun | ₹ 9,726 | ₹ 3,246 | ₹ 12,972 | ₹ 17,25,880 |
Jul | ₹ 9,708 | ₹ 3,264 | ₹ 12,972 | ₹ 17,22,616 |
Aug | ₹ 9,690 | ₹ 3,282 | ₹ 12,972 | ₹ 17,19,334 |
Sep | ₹ 9,671 | ₹ 3,301 | ₹ 12,972 | ₹ 17,16,033 |
Oct | ₹ 9,653 | ₹ 3,319 | ₹ 12,972 | ₹ 17,12,714 |
Nov | ₹ 9,634 | ₹ 3,338 | ₹ 12,972 | ₹ 17,09,376 |
Dec | ₹ 9,615 | ₹ 3,357 | ₹ 12,972 | ₹ 17,06,019 |
2031 | ₹ 1,13,879 | ₹ 41,784 | ₹ 1,55,664 | ₹ 16,64,236 |
Jan | ₹ 9,596 | ₹ 3,376 | ₹ 12,972 | ₹ 17,02,644 |
Feb | ₹ 9,577 | ₹ 3,395 | ₹ 12,972 | ₹ 16,99,249 |
Mar | ₹ 9,558 | ₹ 3,414 | ₹ 12,972 | ₹ 16,95,836 |
Apr | ₹ 9,539 | ₹ 3,433 | ₹ 12,972 | ₹ 16,92,403 |
May | ₹ 9,520 | ₹ 3,452 | ₹ 12,972 | ₹ 16,88,951 |
Jun | ₹ 9,500 | ₹ 3,472 | ₹ 12,972 | ₹ 16,85,479 |
Jul | ₹ 9,481 | ₹ 3,491 | ₹ 12,972 | ₹ 16,81,988 |
Aug | ₹ 9,461 | ₹ 3,511 | ₹ 12,972 | ₹ 16,78,477 |
Sep | ₹ 9,441 | ₹ 3,531 | ₹ 12,972 | ₹ 16,74,946 |
Oct | ₹ 9,422 | ₹ 3,550 | ₹ 12,972 | ₹ 16,71,396 |
Nov | ₹ 9,402 | ₹ 3,570 | ₹ 12,972 | ₹ 16,67,826 |
Dec | ₹ 9,382 | ₹ 3,590 | ₹ 12,972 | ₹ 16,64,235 |
2032 | ₹ 1,10,970 | ₹ 44,694 | ₹ 1,55,664 | ₹ 16,19,542 |
Jan | ₹ 9,361 | ₹ 3,611 | ₹ 12,972 | ₹ 16,60,625 |
Feb | ₹ 9,341 | ₹ 3,631 | ₹ 12,972 | ₹ 16,56,994 |
Mar | ₹ 9,321 | ₹ 3,651 | ₹ 12,972 | ₹ 16,53,342 |
Apr | ₹ 9,300 | ₹ 3,672 | ₹ 12,972 | ₹ 16,49,670 |
May | ₹ 9,279 | ₹ 3,693 | ₹ 12,972 | ₹ 16,45,978 |
Jun | ₹ 9,259 | ₹ 3,713 | ₹ 12,972 | ₹ 16,42,265 |
Jul | ₹ 9,238 | ₹ 3,734 | ₹ 12,972 | ₹ 16,38,530 |
Aug | ₹ 9,217 | ₹ 3,755 | ₹ 12,972 | ₹ 16,34,775 |
Sep | ₹ 9,196 | ₹ 3,776 | ₹ 12,972 | ₹ 16,30,999 |
Oct | ₹ 9,174 | ₹ 3,798 | ₹ 12,972 | ₹ 16,27,201 |
Nov | ₹ 9,153 | ₹ 3,819 | ₹ 12,972 | ₹ 16,23,382 |
Dec | ₹ 9,132 | ₹ 3,840 | ₹ 12,972 | ₹ 16,19,542 |
2033 | ₹ 1,07,858 | ₹ 47,805 | ₹ 1,55,664 | ₹ 15,71,737 |
Jan | ₹ 9,110 | ₹ 3,862 | ₹ 12,972 | ₹ 16,15,680 |
Feb | ₹ 9,088 | ₹ 3,884 | ₹ 12,972 | ₹ 16,11,796 |
Mar | ₹ 9,066 | ₹ 3,906 | ₹ 12,972 | ₹ 16,07,890 |
Apr | ₹ 9,044 | ₹ 3,928 | ₹ 12,972 | ₹ 16,03,963 |
May | ₹ 9,022 | ₹ 3,950 | ₹ 12,972 | ₹ 16,00,013 |
Jun | ₹ 9,000 | ₹ 3,972 | ₹ 12,972 | ₹ 15,96,041 |
Jul | ₹ 8,978 | ₹ 3,994 | ₹ 12,972 | ₹ 15,92,047 |
Aug | ₹ 8,955 | ₹ 4,017 | ₹ 12,972 | ₹ 15,88,030 |
Sep | ₹ 8,933 | ₹ 4,039 | ₹ 12,972 | ₹ 15,83,991 |
Oct | ₹ 8,910 | ₹ 4,062 | ₹ 12,972 | ₹ 15,79,929 |
Nov | ₹ 8,887 | ₹ 4,085 | ₹ 12,972 | ₹ 15,75,844 |
Dec | ₹ 8,864 | ₹ 4,108 | ₹ 12,972 | ₹ 15,71,736 |
2034 | ₹ 1,04,530 | ₹ 51,134 | ₹ 1,55,664 | ₹ 15,20,603 |
Jan | ₹ 8,841 | ₹ 4,131 | ₹ 12,972 | ₹ 15,67,605 |
Feb | ₹ 8,818 | ₹ 4,154 | ₹ 12,972 | ₹ 15,63,451 |
Mar | ₹ 8,794 | ₹ 4,178 | ₹ 12,972 | ₹ 15,59,274 |
Apr | ₹ 8,771 | ₹ 4,201 | ₹ 12,972 | ₹ 15,55,073 |
May | ₹ 8,747 | ₹ 4,225 | ₹ 12,972 | ₹ 15,50,848 |
Jun | ₹ 8,724 | ₹ 4,248 | ₹ 12,972 | ₹ 15,46,599 |
Jul | ₹ 8,700 | ₹ 4,272 | ₹ 12,972 | ₹ 15,42,327 |
Aug | ₹ 8,676 | ₹ 4,296 | ₹ 12,972 | ₹ 15,38,031 |
Sep | ₹ 8,651 | ₹ 4,321 | ₹ 12,972 | ₹ 15,33,710 |
Oct | ₹ 8,627 | ₹ 4,345 | ₹ 12,972 | ₹ 15,29,365 |
Nov | ₹ 8,603 | ₹ 4,369 | ₹ 12,972 | ₹ 15,24,996 |
Dec | ₹ 8,578 | ₹ 4,394 | ₹ 12,972 | ₹ 15,20,602 |
2035 | ₹ 1,00,969 | ₹ 54,694 | ₹ 1,55,664 | ₹ 14,65,908 |
Jan | ₹ 8,553 | ₹ 4,419 | ₹ 12,972 | ₹ 15,16,184 |
Feb | ₹ 8,529 | ₹ 4,443 | ₹ 12,972 | ₹ 15,11,740 |
Mar | ₹ 8,504 | ₹ 4,468 | ₹ 12,972 | ₹ 15,07,272 |
Apr | ₹ 8,478 | ₹ 4,494 | ₹ 12,972 | ₹ 15,02,778 |
May | ₹ 8,453 | ₹ 4,519 | ₹ 12,972 | ₹ 14,98,259 |
Jun | ₹ 8,428 | ₹ 4,544 | ₹ 12,972 | ₹ 14,93,715 |
Jul | ₹ 8,402 | ₹ 4,570 | ₹ 12,972 | ₹ 14,89,145 |
Aug | ₹ 8,376 | ₹ 4,596 | ₹ 12,972 | ₹ 14,84,550 |
Sep | ₹ 8,351 | ₹ 4,621 | ₹ 12,972 | ₹ 14,79,929 |
Oct | ₹ 8,325 | ₹ 4,647 | ₹ 12,972 | ₹ 14,75,281 |
Nov | ₹ 8,298 | ₹ 4,674 | ₹ 12,972 | ₹ 14,70,608 |
Dec | ₹ 8,272 | ₹ 4,700 | ₹ 12,972 | ₹ 14,65,908 |
2036 | ₹ 97,161 | ₹ 58,503 | ₹ 1,55,664 | ₹ 14,07,406 |
Jan | ₹ 8,246 | ₹ 4,726 | ₹ 12,972 | ₹ 14,61,182 |
Feb | ₹ 8,219 | ₹ 4,753 | ₹ 12,972 | ₹ 14,56,429 |
Mar | ₹ 8,192 | ₹ 4,780 | ₹ 12,972 | ₹ 14,51,649 |
Apr | ₹ 8,166 | ₹ 4,806 | ₹ 12,972 | ₹ 14,46,843 |
May | ₹ 8,138 | ₹ 4,833 | ₹ 12,972 | ₹ 14,42,009 |
Jun | ₹ 8,111 | ₹ 4,861 | ₹ 12,972 | ₹ 14,37,149 |
Jul | ₹ 8,084 | ₹ 4,888 | ₹ 12,972 | ₹ 14,32,261 |
Aug | ₹ 8,056 | ₹ 4,915 | ₹ 12,972 | ₹ 14,27,345 |
Sep | ₹ 8,029 | ₹ 4,943 | ₹ 12,972 | ₹ 14,22,402 |
Oct | ₹ 8,001 | ₹ 4,971 | ₹ 12,972 | ₹ 14,17,431 |
Nov | ₹ 7,973 | ₹ 4,999 | ₹ 12,972 | ₹ 14,12,432 |
Dec | ₹ 7,945 | ₹ 5,027 | ₹ 12,972 | ₹ 14,07,405 |
2037 | ₹ 93,087 | ₹ 62,576 | ₹ 1,55,664 | ₹ 13,44,830 |
Jan | ₹ 7,917 | ₹ 5,055 | ₹ 12,972 | ₹ 14,02,350 |
Feb | ₹ 7,888 | ₹ 5,084 | ₹ 12,972 | ₹ 13,97,266 |
Mar | ₹ 7,860 | ₹ 5,112 | ₹ 12,972 | ₹ 13,92,154 |
Apr | ₹ 7,831 | ₹ 5,141 | ₹ 12,972 | ₹ 13,87,013 |
May | ₹ 7,802 | ₹ 5,170 | ₹ 12,972 | ₹ 13,81,843 |
Jun | ₹ 7,773 | ₹ 5,199 | ₹ 12,972 | ₹ 13,76,644 |
Jul | ₹ 7,744 | ₹ 5,228 | ₹ 12,972 | ₹ 13,71,415 |
Aug | ₹ 7,714 | ₹ 5,258 | ₹ 12,972 | ₹ 13,66,158 |
Sep | ₹ 7,685 | ₹ 5,287 | ₹ 12,972 | ₹ 13,60,870 |
Oct | ₹ 7,655 | ₹ 5,317 | ₹ 12,972 | ₹ 13,55,553 |
Nov | ₹ 7,625 | ₹ 5,347 | ₹ 12,972 | ₹ 13,50,206 |
Dec | ₹ 7,595 | ₹ 5,377 | ₹ 12,972 | ₹ 13,44,829 |
2038 | ₹ 88,730 | ₹ 66,933 | ₹ 1,55,664 | ₹ 12,77,897 |
Jan | ₹ 7,565 | ₹ 5,407 | ₹ 12,972 | ₹ 13,39,422 |
Feb | ₹ 7,534 | ₹ 5,438 | ₹ 12,972 | ₹ 13,33,984 |
Mar | ₹ 7,504 | ₹ 5,468 | ₹ 12,972 | ₹ 13,28,516 |
Apr | ₹ 7,473 | ₹ 5,499 | ₹ 12,972 | ₹ 13,23,017 |
May | ₹ 7,442 | ₹ 5,530 | ₹ 12,972 | ₹ 13,17,487 |
Jun | ₹ 7,411 | ₹ 5,561 | ₹ 12,972 | ₹ 13,11,926 |
Jul | ₹ 7,380 | ₹ 5,592 | ₹ 12,972 | ₹ 13,06,333 |
Aug | ₹ 7,348 | ₹ 5,624 | ₹ 12,972 | ₹ 13,00,709 |
Sep | ₹ 7,316 | ₹ 5,655 | ₹ 12,972 | ₹ 12,95,054 |
Oct | ₹ 7,285 | ₹ 5,687 | ₹ 12,972 | ₹ 12,89,367 |
Nov | ₹ 7,253 | ₹ 5,719 | ₹ 12,972 | ₹ 12,83,647 |
Dec | ₹ 7,221 | ₹ 5,751 | ₹ 12,972 | ₹ 12,77,896 |
2039 | ₹ 84,070 | ₹ 71,594 | ₹ 1,55,664 | ₹ 12,06,303 |
Jan | ₹ 7,188 | ₹ 5,784 | ₹ 12,972 | ₹ 12,72,112 |
Feb | ₹ 7,156 | ₹ 5,816 | ₹ 12,972 | ₹ 12,66,296 |
Mar | ₹ 7,123 | ₹ 5,849 | ₹ 12,972 | ₹ 12,60,447 |
Apr | ₹ 7,090 | ₹ 5,882 | ₹ 12,972 | ₹ 12,54,565 |
May | ₹ 7,057 | ₹ 5,915 | ₹ 12,972 | ₹ 12,48,650 |
Jun | ₹ 7,024 | ₹ 5,948 | ₹ 12,972 | ₹ 12,42,702 |
Jul | ₹ 6,990 | ₹ 5,982 | ₹ 12,972 | ₹ 12,36,720 |
Aug | ₹ 6,957 | ₹ 6,015 | ₹ 12,972 | ₹ 12,30,704 |
Sep | ₹ 6,923 | ₹ 6,049 | ₹ 12,972 | ₹ 12,24,655 |
Oct | ₹ 6,889 | ₹ 6,083 | ₹ 12,972 | ₹ 12,18,572 |
Nov | ₹ 6,854 | ₹ 6,117 | ₹ 12,972 | ₹ 12,12,454 |
Dec | ₹ 6,820 | ₹ 6,152 | ₹ 12,972 | ₹ 12,06,302 |
2040 | ₹ 79,085 | ₹ 76,578 | ₹ 1,55,664 | ₹ 11,29,725 |
Jan | ₹ 6,785 | ₹ 6,187 | ₹ 12,972 | ₹ 12,00,116 |
Feb | ₹ 6,751 | ₹ 6,221 | ₹ 12,972 | ₹ 11,93,895 |
Mar | ₹ 6,716 | ₹ 6,256 | ₹ 12,972 | ₹ 11,87,638 |
Apr | ₹ 6,680 | ₹ 6,291 | ₹ 12,972 | ₹ 11,81,347 |
May | ₹ 6,645 | ₹ 6,327 | ₹ 12,972 | ₹ 11,75,020 |
Jun | ₹ 6,609 | ₹ 6,362 | ₹ 12,972 | ₹ 11,68,658 |
Jul | ₹ 6,574 | ₹ 6,398 | ₹ 12,972 | ₹ 11,62,259 |
Aug | ₹ 6,538 | ₹ 6,434 | ₹ 12,972 | ₹ 11,55,825 |
Sep | ₹ 6,502 | ₹ 6,470 | ₹ 12,972 | ₹ 11,49,355 |
Oct | ₹ 6,465 | ₹ 6,507 | ₹ 12,972 | ₹ 11,42,848 |
Nov | ₹ 6,429 | ₹ 6,543 | ₹ 12,972 | ₹ 11,36,304 |
Dec | ₹ 6,392 | ₹ 6,580 | ₹ 12,972 | ₹ 11,29,724 |
2041 | ₹ 73,753 | ₹ 81,910 | ₹ 1,55,664 | ₹ 10,47,814 |
Jan | ₹ 6,355 | ₹ 6,617 | ₹ 12,972 | ₹ 11,23,107 |
Feb | ₹ 6,317 | ₹ 6,654 | ₹ 12,972 | ₹ 11,16,452 |
Mar | ₹ 6,280 | ₹ 6,692 | ₹ 12,972 | ₹ 11,09,760 |
Apr | ₹ 6,242 | ₹ 6,730 | ₹ 12,972 | ₹ 11,03,031 |
May | ₹ 6,205 | ₹ 6,767 | ₹ 12,972 | ₹ 10,96,263 |
Jun | ₹ 6,166 | ₹ 6,805 | ₹ 12,972 | ₹ 10,89,458 |
Jul | ₹ 6,128 | ₹ 6,844 | ₹ 12,972 | ₹ 10,82,614 |
Aug | ₹ 6,090 | ₹ 6,882 | ₹ 12,972 | ₹ 10,75,732 |
Sep | ₹ 6,051 | ₹ 6,921 | ₹ 12,972 | ₹ 10,68,811 |
Oct | ₹ 6,012 | ₹ 6,960 | ₹ 12,972 | ₹ 10,61,851 |
Nov | ₹ 5,973 | ₹ 6,999 | ₹ 12,972 | ₹ 10,54,852 |
Dec | ₹ 5,934 | ₹ 7,038 | ₹ 12,972 | ₹ 10,47,814 |
2042 | ₹ 68,050 | ₹ 87,614 | ₹ 1,55,664 | ₹ 9,60,200 |
Jan | ₹ 5,894 | ₹ 7,078 | ₹ 12,972 | ₹ 10,40,736 |
Feb | ₹ 5,854 | ₹ 7,118 | ₹ 12,972 | ₹ 10,33,618 |
Mar | ₹ 5,814 | ₹ 7,158 | ₹ 12,972 | ₹ 10,26,460 |
Apr | ₹ 5,774 | ₹ 7,198 | ₹ 12,972 | ₹ 10,19,262 |
May | ₹ 5,733 | ₹ 7,239 | ₹ 12,972 | ₹ 10,12,023 |
Jun | ₹ 5,693 | ₹ 7,279 | ₹ 12,972 | ₹ 10,04,744 |
Jul | ₹ 5,652 | ₹ 7,320 | ₹ 12,972 | ₹ 9,97,424 |
Aug | ₹ 5,611 | ₹ 7,361 | ₹ 12,972 | ₹ 9,90,062 |
Sep | ₹ 5,569 | ₹ 7,403 | ₹ 12,972 | ₹ 9,82,659 |
Oct | ₹ 5,527 | ₹ 7,445 | ₹ 12,972 | ₹ 9,75,215 |
Nov | ₹ 5,486 | ₹ 7,486 | ₹ 12,972 | ₹ 9,67,728 |
Dec | ₹ 5,443 | ₹ 7,528 | ₹ 12,972 | ₹ 9,60,200 |
2043 | ₹ 61,949 | ₹ 93,714 | ₹ 1,55,664 | ₹ 8,66,486 |
Jan | ₹ 5,401 | ₹ 7,571 | ₹ 12,972 | ₹ 9,52,629 |
Feb | ₹ 5,359 | ₹ 7,613 | ₹ 12,972 | ₹ 9,45,016 |
Mar | ₹ 5,316 | ₹ 7,656 | ₹ 12,972 | ₹ 9,37,359 |
Apr | ₹ 5,273 | ₹ 7,699 | ₹ 12,972 | ₹ 9,29,660 |
May | ₹ 5,229 | ₹ 7,743 | ₹ 12,972 | ₹ 9,21,917 |
Jun | ₹ 5,186 | ₹ 7,786 | ₹ 12,972 | ₹ 9,14,131 |
Jul | ₹ 5,142 | ₹ 7,830 | ₹ 12,972 | ₹ 9,06,301 |
Aug | ₹ 5,098 | ₹ 7,874 | ₹ 12,972 | ₹ 8,98,427 |
Sep | ₹ 5,054 | ₹ 7,918 | ₹ 12,972 | ₹ 8,90,509 |
Oct | ₹ 5,009 | ₹ 7,963 | ₹ 12,972 | ₹ 8,82,546 |
Nov | ₹ 4,964 | ₹ 8,008 | ₹ 12,972 | ₹ 8,74,539 |
Dec | ₹ 4,919 | ₹ 8,053 | ₹ 12,972 | ₹ 8,66,486 |
2044 | ₹ 55,424 | ₹ 1,00,239 | ₹ 1,55,664 | ₹ 7,66,247 |
Jan | ₹ 4,874 | ₹ 8,098 | ₹ 12,972 | ₹ 8,58,388 |
Feb | ₹ 4,828 | ₹ 8,144 | ₹ 12,972 | ₹ 8,50,244 |
Mar | ₹ 4,783 | ₹ 8,189 | ₹ 12,972 | ₹ 8,42,055 |
Apr | ₹ 4,737 | ₹ 8,235 | ₹ 12,972 | ₹ 8,33,820 |
May | ₹ 4,690 | ₹ 8,282 | ₹ 12,972 | ₹ 8,25,538 |
Jun | ₹ 4,644 | ₹ 8,328 | ₹ 12,972 | ₹ 8,17,210 |
Jul | ₹ 4,597 | ₹ 8,375 | ₹ 12,972 | ₹ 8,08,834 |
Aug | ₹ 4,550 | ₹ 8,422 | ₹ 12,972 | ₹ 8,00,412 |
Sep | ₹ 4,502 | ₹ 8,470 | ₹ 12,972 | ₹ 7,91,942 |
Oct | ₹ 4,455 | ₹ 8,517 | ₹ 12,972 | ₹ 7,83,425 |
Nov | ₹ 4,407 | ₹ 8,565 | ₹ 12,972 | ₹ 7,74,860 |
Dec | ₹ 4,359 | ₹ 8,613 | ₹ 12,972 | ₹ 7,66,247 |
2045 | ₹ 48,445 | ₹ 1,07,219 | ₹ 1,55,664 | ₹ 6,59,029 |
Jan | ₹ 4,310 | ₹ 8,662 | ₹ 12,972 | ₹ 7,57,585 |
Feb | ₹ 4,261 | ₹ 8,711 | ₹ 12,972 | ₹ 7,48,874 |
Mar | ₹ 4,212 | ₹ 8,760 | ₹ 12,972 | ₹ 7,40,115 |
Apr | ₹ 4,163 | ₹ 8,809 | ₹ 12,972 | ₹ 7,31,306 |
May | ₹ 4,114 | ₹ 8,858 | ₹ 12,972 | ₹ 7,22,448 |
Jun | ₹ 4,064 | ₹ 8,908 | ₹ 12,972 | ₹ 7,13,539 |
Jul | ₹ 4,014 | ₹ 8,958 | ₹ 12,972 | ₹ 7,04,581 |
Aug | ₹ 3,963 | ₹ 9,009 | ₹ 12,972 | ₹ 6,95,572 |
Sep | ₹ 3,913 | ₹ 9,059 | ₹ 12,972 | ₹ 6,86,513 |
Oct | ₹ 3,862 | ₹ 9,110 | ₹ 12,972 | ₹ 6,77,403 |
Nov | ₹ 3,810 | ₹ 9,162 | ₹ 12,972 | ₹ 6,68,241 |
Dec | ₹ 3,759 | ₹ 9,213 | ₹ 12,972 | ₹ 6,59,028 |
2046 | ₹ 40,980 | ₹ 1,14,684 | ₹ 1,55,664 | ₹ 5,44,344 |
Jan | ₹ 3,707 | ₹ 9,265 | ₹ 12,972 | ₹ 6,49,763 |
Feb | ₹ 3,655 | ₹ 9,317 | ₹ 12,972 | ₹ 6,40,446 |
Mar | ₹ 3,603 | ₹ 9,369 | ₹ 12,972 | ₹ 6,31,077 |
Apr | ₹ 3,550 | ₹ 9,422 | ₹ 12,972 | ₹ 6,21,654 |
May | ₹ 3,497 | ₹ 9,475 | ₹ 12,972 | ₹ 6,12,179 |
Jun | ₹ 3,444 | ₹ 9,528 | ₹ 12,972 | ₹ 6,02,651 |
Jul | ₹ 3,390 | ₹ 9,582 | ₹ 12,972 | ₹ 5,93,069 |
Aug | ₹ 3,336 | ₹ 9,636 | ₹ 12,972 | ₹ 5,83,433 |
Sep | ₹ 3,282 | ₹ 9,690 | ₹ 12,972 | ₹ 5,73,743 |
Oct | ₹ 3,227 | ₹ 9,745 | ₹ 12,972 | ₹ 5,63,998 |
Nov | ₹ 3,172 | ₹ 9,799 | ₹ 12,972 | ₹ 5,54,199 |
Dec | ₹ 3,117 | ₹ 9,855 | ₹ 12,972 | ₹ 5,44,344 |
2047 | ₹ 32,994 | ₹ 1,22,669 | ₹ 1,55,664 | ₹ 4,21,675 |
Jan | ₹ 3,062 | ₹ 9,910 | ₹ 12,972 | ₹ 5,34,434 |
Feb | ₹ 3,006 | ₹ 9,966 | ₹ 12,972 | ₹ 5,24,468 |
Mar | ₹ 2,950 | ₹ 10,022 | ₹ 12,972 | ₹ 5,14,446 |
Apr | ₹ 2,894 | ₹ 10,078 | ₹ 12,972 | ₹ 5,04,368 |
May | ₹ 2,837 | ₹ 10,135 | ₹ 12,972 | ₹ 4,94,233 |
Jun | ₹ 2,780 | ₹ 10,192 | ₹ 12,972 | ₹ 4,84,041 |
Jul | ₹ 2,723 | ₹ 10,249 | ₹ 12,972 | ₹ 4,73,792 |
Aug | ₹ 2,665 | ₹ 10,307 | ₹ 12,972 | ₹ 4,63,485 |
Sep | ₹ 2,607 | ₹ 10,365 | ₹ 12,972 | ₹ 4,53,120 |
Oct | ₹ 2,549 | ₹ 10,423 | ₹ 12,972 | ₹ 4,42,697 |
Nov | ₹ 2,490 | ₹ 10,482 | ₹ 12,972 | ₹ 4,32,215 |
Dec | ₹ 2,431 | ₹ 10,541 | ₹ 12,972 | ₹ 4,21,675 |
2048 | ₹ 24,453 | ₹ 1,31,210 | ₹ 1,55,664 | ₹ 2,90,465 |
Jan | ₹ 2,372 | ₹ 10,600 | ₹ 12,972 | ₹ 4,11,075 |
Feb | ₹ 2,312 | ₹ 10,660 | ₹ 12,972 | ₹ 4,00,415 |
Mar | ₹ 2,252 | ₹ 10,720 | ₹ 12,972 | ₹ 3,89,695 |
Apr | ₹ 2,192 | ₹ 10,780 | ₹ 12,972 | ₹ 3,78,915 |
May | ₹ 2,131 | ₹ 10,841 | ₹ 12,972 | ₹ 3,68,075 |
Jun | ₹ 2,070 | ₹ 10,902 | ₹ 12,972 | ₹ 3,57,173 |
Jul | ₹ 2,009 | ₹ 10,963 | ₹ 12,972 | ₹ 3,46,211 |
Aug | ₹ 1,947 | ₹ 11,025 | ₹ 12,972 | ₹ 3,35,186 |
Sep | ₹ 1,885 | ₹ 11,087 | ₹ 12,972 | ₹ 3,24,099 |
Oct | ₹ 1,823 | ₹ 11,149 | ₹ 12,972 | ₹ 3,12,951 |
Nov | ₹ 1,760 | ₹ 11,212 | ₹ 12,972 | ₹ 3,01,739 |
Dec | ₹ 1,697 | ₹ 11,275 | ₹ 12,972 | ₹ 2,90,464 |
2049 | ₹ 15,317 | ₹ 1,40,346 | ₹ 1,55,664 | ₹ 1,50,118 |
Jan | ₹ 1,634 | ₹ 11,338 | ₹ 12,972 | ₹ 2,79,126 |
Feb | ₹ 1,570 | ₹ 11,402 | ₹ 12,972 | ₹ 2,67,724 |
Mar | ₹ 1,506 | ₹ 11,466 | ₹ 12,972 | ₹ 2,56,258 |
Apr | ₹ 1,441 | ₹ 11,531 | ₹ 12,972 | ₹ 2,44,728 |
May | ₹ 1,377 | ₹ 11,595 | ₹ 12,972 | ₹ 2,33,132 |
Jun | ₹ 1,311 | ₹ 11,661 | ₹ 12,972 | ₹ 2,21,472 |
Jul | ₹ 1,246 | ₹ 11,726 | ₹ 12,972 | ₹ 2,09,746 |
Aug | ₹ 1,180 | ₹ 11,792 | ₹ 12,972 | ₹ 1,97,954 |
Sep | ₹ 1,113 | ₹ 11,858 | ₹ 12,972 | ₹ 1,86,095 |
Oct | ₹ 1,047 | ₹ 11,925 | ₹ 12,972 | ₹ 1,74,170 |
Nov | ₹ 980 | ₹ 11,992 | ₹ 12,972 | ₹ 1,62,178 |
Dec | ₹ 912 | ₹ 12,060 | ₹ 12,972 | ₹ 1,50,118 |
2050 | ₹ 5,545 | ₹ 1,50,118 | ₹ 1,55,664 | -₹ 0 |
Jan | ₹ 844 | ₹ 12,128 | ₹ 12,972 | ₹ 1,37,990 |
Feb | ₹ 776 | ₹ 12,196 | ₹ 12,972 | ₹ 1,25,795 |
Mar | ₹ 708 | ₹ 12,264 | ₹ 12,972 | ₹ 1,13,530 |
Apr | ₹ 639 | ₹ 12,333 | ₹ 12,972 | ₹ 1,01,197 |
May | ₹ 569 | ₹ 12,403 | ₹ 12,972 | ₹ 88,794 |
Jun | ₹ 499 | ₹ 12,472 | ₹ 12,972 | ₹ 76,322 |
Jul | ₹ 429 | ₹ 12,543 | ₹ 12,972 | ₹ 63,779 |
Aug | ₹ 359 | ₹ 12,613 | ₹ 12,972 | ₹ 51,166 |
Sep | ₹ 288 | ₹ 12,684 | ₹ 12,972 | ₹ 38,482 |
Oct | ₹ 216 | ₹ 12,755 | ₹ 12,972 | ₹ 25,726 |
Nov | ₹ 145 | ₹ 12,827 | ₹ 12,972 | ₹ 12,899 |
Dec | ₹ 73 | ₹ 12,899 | ₹ 12,972 | ₹ 0 |
Each Home Loan EMI consists of both amounts of interest as well as the principal repaid. The interest component of EMI goes down while the principal component goes up in both cases while doing the calculation.
In the above illustration, on a Home Loan of ₹ 20 Lakh, taken at the lowest interest rate of 6.75%, EMI paid is ₹ 12,972 and an annual total of EMIs is ₹ 1,55,664, the interest component is ₹ 1,34,349 while the principal component is ₹ 21,315 in year 1 of loan disbursement. You repay only 1.07% of the total principal after paying 12 EMIs during the first year.
In year 30, the interest component of EMI is around 3.56%, while the principal component is around 96.44%. Upto 30 years, you have cumulatively repaid 100% of your total Home Loan.
Home Loan EMI Calculator Formula
Home Loan EMI is calculated using the mathematical formula
P*r* (1+r)^n/([(1+r)^n]-1)
In above formula, P is the loan amount that you want to borrow
r is the rate of interest per month
n is the tenure of loan repayment in months
To calculate Home Loan EMI, you can also use an online house EMI calculator in which you need to input the loan amount, rate of interest and the tenure for which you want to borrow and get the EMI and interest amount results on an immediate basis.
Why should you use an online home loan calculator?
Borrowers who are not comfortable with difficult calculations, find it easier to estimate house loan EMI by using EMIs calculators as it gives correct results and allows you to compare EMI on different home loan schemes instantly.
- Home loan EMI calculator saves your time by calculating EMI in seconds
- EMI manual formula is complex and chances of wrong calculation are high which may lead you to make a wrong decision. This can easily be avoided by using an online housing loan EMI calculator.
- Any home loan borrower should know their home loan EMI in advance as this is the amount that they have to pay to the bank every month from their income.
- The calculator allows borrowers to compare multiple EMIs for different loan tenures as well as rates and choose the loan EMI scheme that suits their monthly budget.
Home Loan Repayment Calculator
Home loan repayment is the term referred for paying back the loan amount to the lender. Repayment of home loan is made through EMIs or installments, with every EMI constituting principal amount and interest amount. Interest rate, loan amount and loan tenure are to be inputted for calculating a loan EMI. The repayment of a home loan is an essential responsibility that a borrower needs to fulfil as a single delay in repayment can significantly reduce the credit score. Hence, it is extremely essential to calculate the comfortable amount of Home loan repayment or EMI once can pay before deciding the loan amount by using Home loan repayment calculator or Home loan EMI calculators. Please remember that a home loan repayment is different from a home loan prepayment. While prepayment is paying the loan in advance, repayment is paying the loan on scheduled time.
Suppose you take a loan of ₹ 10 Lakh for 10 years at an interest rate of 8.50%. Your EMI of the loan is ₹ 12,399 per month and tha annual total of EMI is ₹ 1.48 Lakh. This is how your original loan schedule looks like till Year 5. On loan amount of ₹ 10 Lakh, you make payment of ₹ 12,399 every month and annual payment of ₹ 1,48,788. By the end of year 5, you have outstanding principal of ₹ 6.04 Lakh and you have to pay another 60 home loan EMIs to fully pay down your loan. The original schedule of you loan till year 5, has been shown in the table below:
Original Schedule | |
---|---|
Loan Amount | ₹ 10 Lakh |
Tenure (in months) | 120 |
Interest Rate | 8.50% |
Monthly EMI, ₹ | 12,399 |
Loan schedule | Principal repaid | Principal outstanding |
---|---|---|
Year 1 | 66,327 | 9.33 Lakh |
Year 2 | 72,190 | 8.61 Lakh |
Year 3 | 78,571 | 7.82 Lakh |
Year 4 | 85,516 | 6.97 Lakh |
Year 5 | 93,075 | 6.04 Lakh |
Now at the end of year 5, you have a surplus amount of ₹ 2.50 Lakh and you decide to prepay the loan. Now there can be two scenarios:
Scenario 1: What will happen if I prepay my home loan and opt to reduce my loan tenure, while keeping the house loan EMI unchanged
If you have ₹ 2,50,000 as surplus amount and decide to keep the EMI same and reduce the tenure, this is what will happen.
At the end of 5 years, when you prepay an amount of ₹ 2.50 Lakh, outstanding principal is reduced to ₹ 3.54 Lakh in comparison to ₹ 6.04 Lakh in your original schedule. If you opt to reduce your loan tenure, at the end of 5 years you are left to pay only 33 more home loan EMIs compared to 60 EMIs as per your original loan schedule. You repay back your complete loan in 27 months less than the original loan schedule with while paying a constant instalment or EMI of ₹ 12,399. Please refer to table below to understand the EMI calculations in case of a prepayment, done using Home loan EMI calculator:
Revised Schedule, after prepayment of ₹ 2.50 Lakh at the end of year 5 Option 1: Same EMI, shorter tenure | |
---|---|
Loan Amount | ₹ 10 Lakh |
Tenure (in months) | 93 |
Interest Rate | 8.50% |
Monthly EMI, ₹ | 12,399 |
Early Payment, ₹ | 2.50 Lakh in 5th year |
Loan schedule | Principal repaid | Principal outstanding |
---|---|---|
Year 1 | 66,327 | 9.33 Lakh |
Year 2 | 72,190 | 8.61 Lakh |
Year 3 | 78,571 | 7.82 Lakh |
Year 4 | 85,516 | 6.97 Lakh |
Year 5 | 34,375 | 3.54 Lakh |
Scenario 2: What will happen if I prepay my home loan and opt to reduce my EMI, while keeping the loan tenure unchanged
In the same illustration, as your loan outstanding reduces and you opt to reduce EMI, your revised home loan EMI stands at ₹ 7,269, compared to ₹ 12,399 earlier. Your remaining loan tenure remains unchanged at 60 months and you pay an EMI of ₹ 7,269 which is lower by ₹ 5,130 as per your original loan Amortization schedule. Please refer to table below to understand the EMI calculations through home EMI calculators in case of a prepayment under Option 2:
Revised Schedule, after prepayment of ₹ 2.50 Lakh at the end of year 5 Option 2: Same tenure, lower EMI | |
---|---|
Loan Amount | ₹ 10 Lakh |
Tenure (in months) | 120 |
Interest Rate | 8.50% |
Early Payment, ₹ | 2.50 Lakh in 5th year |
Loan schedule | Monthly EMI | Principal repaid | Principal outstanding |
---|---|---|---|
Year 1 | 12,399 | 66,327 | 9.33 Lakh |
Year 2 | 12,399 | 72,190 | 8.61 Lakh |
Year 3 | 12,399 | 78,571 | 7.82 Lakh |
Year 4 | 12,399 | 85,516 | 6.97 Lakh |
Year 5 | 12,399 | 3.43 Lakh | 3.54 Lakh |
Year 6 | 7,269 | 59,395 | 2.94 Lakh |
When I prepay my loan, should I opt for a lower EMI or reduce my loan tenure?
If you plan to prepay and opt for paying same EMI with shorter tenure, can result in a significantly lower interest amount on your home loan and hence, should be the preferred choice whenever possible. If you feel that you want to reduce your EMI to be able to have more income available for monthly expenses, you can opt to reduce your EMI but, in this case, be prepared to pay high interest charges. You can use an online prepayment calculator to know the impact of prepayment on your EMIs and tenure better. In summary, the choice between the two options of reducing your EMI vs. your loan tenure depends on your monthly finances.
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FAQs
✅What is the full form of EMI?
Full Form of EMI is Equated Monthly Installments which is calculated using loan amount, interest rate and loan tenure.
✅What is the meaning of EMI?
EMI means equal instalments to be paid by the borrower over the loan tenure and is calculated in a manner that the borrower repays back his loan and pays calculated interest on the loan amount during the loan period?
✅What is Home Loan EMI?
Home Loan EMI is the monthly amount that the borrower must pay to the lender to repay his loan amount and pay interest on the loan amount. Every EMI has two components which include the outstanding loan amount and interest. These two components keep changing in every EMI, but the EMI remains same throughout the loan tenure.
✅How to calculate home loan EMI?
Home Loan EMI Calculator uses a combination of the loan amount, loan tenure and interest rate to calculate housing loan EMI instantly. Enter these details in the calculator and get the desired result. Home EMI calculator also tells you how much interest you would pay over the life of the loan. Longer the loan tenure, more the amount of interest for the same loan amount and interest rate.
✅How long can I take a home loan for?
The maximum tenure available for home loan is 30 years. If you apply for a longer repayment tenure, your EMI for loan will be less. However, longer loan tenure increases the amount of interest payment which makes your loan repayment costly.
✅How much should I pay as a monthly EMI?
Monthly EMI depends upon your income and expenses. Generally, banks advise you to limit your EMI to 35 to 45% of your net income so that you can pay your EMI without any burden or difficulty. You can calculate home loan EMI online using the home loan EMI calculator which will help you to know your repayment capacity.
✅Is the home loan EMI fixed or can it change in future?
Home Loan EMI is fixed only in the case of fixed rate loans. In the case of floating rate loans, EMI will increase or decrease as per the changes in Repo Rate Linked Rate of banks. After the recent RBI announcements, any increase or decrease in repo rate as announced in the bilateral monetary policy will result in the same rate changes for existing home loan borrowers. Apart from floating rate loans, EMIs change for partly disbursed loans availed under tranched EMI scheme, your loan EMI will increase with each disbursement and payment you make to your developer. Your EMIs might also change in a scenario when you decide to prepay a certain percentage of loan amount during the loan tenure. Some banks may also have clauses in the loan agreement which allows them to reset the benchmark rates and spreads under special circumstances.
✅Can I reduce my home loan EMI?
Yes, you can reduce your home loan EMI by making a prepayment for a certain amount. The higher the prepayment you make, the more outstanding the principal will reduce.
✅What is the EMI for a ₹ 20 lakhs home loan?
The home loan EMI varies from bank to bank based on rate of interest and tenure. The EMI for ₹ 2 Cr loan for top banks will be as following:
Banks | Rate | EMI |
---|---|---|
SBI | 6.80% | ₹ 13,039 for 30 years |
HDFC | 6.80% | ₹ 13,039 for 30 years |
ICICI Bank | 7.45% | ₹ 13,916 for 30 years |
Axis Bank | 6.90% | ₹ 13,172 for 30 years |
✅What will be the EMI for 30 lakhs home loan?
The EMI for 30 lakhs will be different for different tenure. Based on the Home Loan interest rate of 6.75%, here is a comparison of EMIs for different tenure:
Tenure | EMI |
---|---|
5 Years | ₹ 59,050 |
15 Years | ₹ 26,547 |
30 Years | ₹ 19,458 |
✅Can we stop home loan EMI for a few months?
Banks do not allow you to stop paying EMI for a few months and will count it as a loan default in case you fail to pay regularly. However, you can opt for special home loan schemes by various banks like SBI Flexipay, in which you pay interest based on the amount you withdraw from the overdraft account.
✅How is Home Loan EMI calculated?
To calculate the EMI of home loan you require following data:
P Principal amount
R = Rate of interest
N = Tenure of loan
EMI = P*R*(1+R)^N/ [(1+R)^N-1]
You can also calculate your home loan EMI using the housing loan EMI calculator online to save time and get accurate results.
✅What happens if you stop paying home loan EMI?
If you stop paying home loan EMI, the bank will contact you through all available channels and remind you to pay your EMI. If, even after multiple reminders, you do not pay your EMI for 3-4 months, then your loan account will be reported as a NPA and the banks may initiate legal proceedings to recover their dues. This will also result in a lower CIBIL score, which may make it difficult for you to get a loan in the future.
✅How do you calculate home loan interest?
Housing loan interest for reducing method is calculated based using the formula:
(P x I) x ((1 + r)n)/ (t x ((1 + r)n)- 1)
P is borrowed principal amount
I is the interest rate per annum
r is the periodic monthly interest rate
n is the number of monthly payments
t is the number of months in a year
You can use a housing loan EMI calculator to calculate the interest component in EMI.
✅What is a pre-EMI on a home loan?
In a pre-EMI interest scheme, the bank offers the home loan borrower an option to pay only monthly interest on the loan disbursed till the completion of the property. In this case, the principal the EMIs (which consists of the interest component and principal repayment) on the loan commences only after the loan gets disbursed completely. Since no principal is being repaid, the pre EMI amount is always less than the regular EMI.
✅What is the minimum salary for a home loan?
The minimum salary requirement for a home loan is ₹ 25,000.
✅Is it good to repay a home loan early?
Making a full or partial repayment of a home loan is beneficial as borrowers can get rid of a long time loan burden. Also, it helps the borrowers from hefty interest rates and EMIs that are to be paid regularly.
✅How are home loan repayments calculated?
Home loan repayments can be calculated using the home loan repayment calculator or a home loan EMI calculator. It is calculated using the principal amount, interest rate, tenure, and the amount paid in advance.
✅Can you get a home loan with a foreclosure?
Yes, you can get a home loan with a foreclosure. However, the lenders usually charge a foreclosure fee from the borrower for foreclosing a loan.
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