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Aadhar Housing Finance Home Loan EMI Calculator

Aadhar Housing Finance Home Loan Calculator

Last Updated 17th Jul 2020

  • Aadhar Housing Finance home loan EMI per ₹ 1 Lakh is ₹ 952, which is one of the lowest EMI offered by banks. Check Best Offers
  • Housing loan EMI in Aadhar Housing Finance is calculated based on loan amount, loan tenure and interest rate.
  • It is better to calculate your EMI for Aadhar Housing Finance home loan before applying. Use an online Aadhar Housing Finance loan EMI calculator to estimate your EMI.
  • Check Aadhar Housing Finance home loan EMI for different tenures at the current Aadhar Housing Finance home loan interest rate of 11.00%
  • Loan Amount10 Year Loan15 Year loan30 Year loan
    ₹ 10 Lakh₹ 13,775₹ 11,366₹ 9,523
    ₹ 20 Lakh₹ 27,550₹ 22,732₹ 19,046
    ₹ 30 Lakh₹ 41,325₹ 34,098₹ 28,570
    ₹ 50 Lakh₹ 68,875₹ 56,830₹ 47,616

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Aadhar Housing Finance Home Loan EMI Calculator Online

Aadhar Housing Finance Home Loan EMI is the fixed amount that you need to pay on a fixed date of the month till the end of repayment tenure. The amount is based on your loan amount, tenure and interest rate. You can calculate your Aadhar Housing Finance housing loan EMI in advance to plan your loan payments and expenses using a Aadhar Housing Finance home loan calculator. Aadhar Housing Finance home loan EMI calculator is an online tool that functions on a mathematical algorithm and gives accurate results without hassle.

Why should you use Aadhar Housing Finance Home Loan EMI Calculator?

  • Calculate the EMI at Different Tenures: Aadhar Housing Finance offers the lowest EMI per lakh at ₹ 952. To get the lowest EMI on your home loan, you can compare the EMIs with a different loan amount and tenure. However, it is advisable to check with the bank to know the interest rate you will be eligible for Aadhar Housing Finance home loan.
  • Compare Aadhar Housing Finance Home Loan EMI: With Aadhar Housing Finance home loan EMI Calculator, you can also estimate EMI on your home loan from Aadhar Housing Finance with other leading banks in India at the same loan amount and tenure at varying interest rates.
  • Get Detailed Amortisation Schedule: You can calculate the division of total EMIs into interest and principal repayment on your loan at different periods throughout the loan tenure.
  • Calculate the Outstanding Balance: Finally, you can also calculate the remaining loan tenure for the outstanding balance at any period of the loan tenure. If you want to reduce your home loan tenure, you can always consider a home loan balance transfer because other banks may allow you to pay your home loan at low rates.

Aadhar Housing Finance Home Loan EMI Calculator to estimate the EMI that fits your budget

To calculate your home loan EMI at different rates and tenure, enter different loan amounts and tenure at the eligible interest rate on Aadhar Housing Finance Home Loan EMI calculator. The below-mentioned table shows the calculation of Aadhar Housing Finance Home Loan at the various combinations of loan amount and years at the lowest rate of 11.00%. Considering this example, if you think you can afford to pay an EMI of in your budget, take an loan for 15 years or loan for 30 years, maybe the right Aadhar Housing Finance Home loan plan for you.

Aadhar Housing Finance home loan EMI is calculated for different loan amounts and tenures at 11.00% interest rate
Loan Tenure
Loan Amount (Rs.) 15 years20 years30 years
₹ 25 Lakh ₹ 28,415 ₹ 25,805 ₹ 23,808
₹ 50 Lakh ₹ 56,830 ₹ 51,609 ₹ 47,616
₹ 75 Lakh ₹ 85,245 ₹ 77,414 ₹ 71,424
₹ 1 Cr ₹ 1.14 Lakh₹ 1.03 Lakh₹ 95,232

Benefits of using Aadhar Housing Finance Home Loan EMI Calculator

Aadhar Housing Finance Home Loan Calculator is online and gives instant results with 100% accuracy. The best part is that you can calculate and compare multiple EMIs on different combinations of loan amount, interest rate and tenure. Thus, using Aadhar Housing Finance Home Loan EMI Calculator helps you to choose the right amount of EMI that is affordable and also decide on the right loan amount and loan tenure. Further, if you use the MyLoanCare Aadhar Housing Finance Home Loan Calculator, you have the option to receive calculated EMIs and amortization schedules for each calculation by mail which can be referred to at a later stage when you are making the final decision to take a loan.

Factors Affecting Aadhar Housing Finance Home Loan EMI

Home Loan EMI can be calculated using an online Home 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

If you apply for a higher loan amount, you will have to pay a higher EMI Aadhar Housing Finance gives a minimum home loan of ₹ 1,00,000 upto a maximum amount of ₹ 1,00,00,000.

Interest Rate

Higher interest rate increases your Aadhar Housing Finance housing loan EMI which will increase the total cost of the loan. Aadhar Housing Finance current home loan interest rate starts at 11.00%. Do a complete market research and compare rates and calculate EMI online using Aadhar Housing Finance home loan calculator before you apply for a home loan.

Loan Tenure

This is the period in which you can repay your home loan in Aadhar Housing Finance. Your EMI will be lower if you take a 30 years loan from Aadhar Housing Finance as compared to a loan taken for 1 years. For a longer period, you get to pay a smaller EMI and vice-versa.

Aadhar Housing Finance Home Loan EMI Calculator Formula

Aadhar Housing Finance Home Loan Calculator calculates EMI based on the following formula.

P*r* (1+r)^n/([(1+r)^n]-1)

Here is an illustration of how Aadhar Housing Finance Home Loan EMI calculator formulates EMI:

In above formula,

  • P = Loan amount. Aadhar Housing Finance home loan amount can range from ₹ 1,00,000 to ₹ 1,00,00,000
  • r = Rate of interest per month. Current Aadhar Housing Finance housing loan rate 11.00%.PLR
  • n = tenure in month. For Aadhar Housing Finance, maximum home loan tenure is 360 months

Comparison of Aadhar Housing Finance Home Loan EMI with other Banks

Bank Name Interest rate Loan Amount of ₹ 10 Lakh Loan Amount of ₹ 30 Lakh Loan Amount of ₹ 50 Lakh
Aadhar Housing Finance 11.00% ₹ 9,523 ₹ 28,570 ₹ 47,616
HDFC 6.75% ₹ 6,486 ₹ 19,458 ₹ 32,430
ICICI Bank 6.75% ₹ 6,486 ₹ 19,458 ₹ 32,430
SBI 6.70% ₹ 6,453 ₹ 19,358 ₹ 32,264
LIC Housing Finance 6.90% ₹ 6,586 ₹ 19,758 ₹ 32,930
Axis Bank 6.70% ₹ 6,453 ₹ 19,358 ₹ 32,264

Aadhar Housing Finance Home Loan Amortization Calculator

Aadhar Housing Finance Home Loan amortization schedule gives a break up of your monthly EMI into interest and principal repayment. Aadhar Housing Finance gives you a detailed amortisation schedule with the sanction letter and you can calculate the total interest outgo as well as the pace at which your loan amount will be repaid during the loan tenure.

How to read an amortization schedule

Suppose if you take a Home Loan of ₹ 25 Lakh for 25 years from Aadhar Housing Finance at an interest rate of 11.00%. EMI calculated for this loan amount is ₹ 24,503 and the total annual EMIs to be paid annually is ₹ 2,94,034. The EMI schedule of loan for 25 years is explained below in the table –

Amortization Schedule for a Home Loan of ₹ 25 Lakh over the 25 years

Year Interest paid during the year Principal repaid during the year Total amount paid during the year (Interest + Principal) Outstanding Principal
2021 ₹ 1,60,107 ₹ 11,413 ₹ 1,71,520 ₹ 24,88,587
2022 ₹ 2,72,690 ₹ 21,344 ₹ 2,94,034 ₹ 24,67,243
2023 ₹ 2,70,220 ₹ 23,814 ₹ 2,94,034 ₹ 24,43,429
2024 ₹ 2,67,464 ₹ 26,570 ₹ 2,94,034 ₹ 24,16,859
2025 ₹ 2,64,389 ₹ 29,645 ₹ 2,94,034 ₹ 23,87,214
2026 ₹ 2,60,959 ₹ 33,075 ₹ 2,94,034 ₹ 23,54,139
2027 ₹ 2,57,132 ₹ 36,902 ₹ 2,94,034 ₹ 23,17,237
2028 ₹ 2,52,861 ₹ 41,173 ₹ 2,94,034 ₹ 22,76,064
2029 ₹ 2,48,097 ₹ 45,937 ₹ 2,94,034 ₹ 22,30,127
2030 ₹ 2,42,781 ₹ 51,253 ₹ 2,94,034 ₹ 21,78,874
2031 ₹ 2,36,850 ₹ 57,184 ₹ 2,94,034 ₹ 21,21,691
2032 ₹ 2,30,233 ₹ 63,801 ₹ 2,94,034 ₹ 20,57,889
2033 ₹ 2,22,850 ₹ 71,184 ₹ 2,94,034 ₹ 19,86,706
2034 ₹ 2,14,613 ₹ 79,421 ₹ 2,94,034 ₹ 19,07,284
2035 ₹ 2,05,422 ₹ 88,612 ₹ 2,94,034 ₹ 18,18,672
2036 ₹ 1,95,168 ₹ 98,866 ₹ 2,94,034 ₹ 17,19,806
2037 ₹ 1,83,727 ₹ 1,10,307 ₹ 2,94,034 ₹ 16,09,500
2038 ₹ 1,70,963 ₹ 1,23,071 ₹ 2,94,034 ₹ 14,86,429
2039 ₹ 1,56,721 ₹ 1,37,313 ₹ 2,94,034 ₹ 13,49,116
2040 ₹ 1,40,831 ₹ 1,53,202 ₹ 2,94,034 ₹ 11,95,913
2041 ₹ 1,23,103 ₹ 1,70,931 ₹ 2,94,034 ₹ 10,24,983
2042 ₹ 1,03,323 ₹ 1,90,711 ₹ 2,94,034 ₹ 8,34,272
2043 ₹ 81,254 ₹ 2,12,780 ₹ 2,94,034 ₹ 6,21,492
2044 ₹ 56,632 ₹ 2,37,402 ₹ 2,94,034 ₹ 3,84,090
2045 ₹ 29,160 ₹ 2,64,874 ₹ 2,94,034 ₹ 1,19,216
2046 ₹ 3,298 ₹ 1,19,216 ₹ 1,22,514 ₹ 0

In the above illustration, on a Aadhar Housing Finance Home Loan of₹ 25 Lakh, taken at the lowest interest rate of 11.00, EMI paid is ₹ 24,503 and an annual total of EMIs is ₹ 2,94,034, the interest component is ₹ 2,74,010 while the principal component is ₹ 20,023 in year 1 of loan disbursement. You repay only 0.8% of the total principal after paying 12 EMIs during the first year.

Aadhar Housing Finance Home Loan EMI for ₹ 10 Lakh

The following table shows Aadhar Housing Finance Housing Loan EMI for ₹ 10,00,000 for different tenures at an interest rate of 11.00%

Loan Amount Interest rate Tenure (Year) EMI
₹ 10,00,000 11.00% 5 Years ₹ 21,742
₹ 10,00,000 11.00% 10 Years ₹ 13,775
₹ 10,00,000 11.00% 15 Years ₹ 11,366
₹ 10,00,000 11.00% 20 Years ₹ 10,322
₹ 10,00,000 11.00% 30 Years ₹ 9,523

Aadhar Housing Finance Home Loan EMI for ₹ 20 Lakh

The following table shows Aadhar Housing Finance Housing Loan EMI for ₹ 20,00,000 for different tenures at an interest rate of 11.00%

Loan Amount Interest rate Tenure (Year) EMI
₹ 20,00,000 11.00% 5 Years ₹ 43,485
₹ 20,00,000 11.00% 10 Years ₹ 27,550
₹ 20,00,000 11.00% 15 Years ₹ 22,732
₹ 20,00,000 11.00% 20 Years ₹ 20,644
₹ 20,00,000 11.00% 30 Years ₹ 19,046

Aadhar Housing Finance Home Loan EMI for ₹ 30 Lakh

The following table shows Aadhar Housing Finance Housing Loan EMI for ₹ 30,00,000 for different tenures at an interest rate of 11.00%

Loan Amount Interest rate Tenure (Year) EMI
₹ 30,00,000 11.00% 5 Years ₹ 65,227
₹ 30,00,000 11.00% 10 Years ₹ 41,325
₹ 30,00,000 11.00% 15 Years ₹ 34,098
₹ 30,00,000 11.00% 20 Years ₹ 30,966
₹ 30,00,000 11.00% 30 Years ₹ 28,570

Aadhar Housing Finance Home Loan EMI for ₹ 50 Lakh

The following table shows Aadhar Housing Finance Housing Loan EMI for ₹ 50,00,000 for different tenures at an interest rate of 11.00%

Loan Amount Interest rate Tenure (Year) EMI
₹ 50,00,000 11.00% 5 Years ₹ 1,08,712
₹ 50,00,000 11.00% 10 Years ₹ 68,875
₹ 50,00,000 11.00% 15 Years ₹ 56,830
₹ 50,00,000 11.00% 20 Years ₹ 51,609
₹ 50,00,000 11.00% 30 Years ₹ 47,616

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FAQs

Will the Aadhar Housing Finance home loan EMI remain constant or change in future?

No, your Aadhar Housing Finance Home Loan EMI can change if you have taken a floating rate loan and there is a change in the repo rate to which the home loan rate has been benchmarked. However, if it is a fixed rate loan, the Aadhar Housing Finance Home Loan EMI will remain unchanged throughout the loan tenure unless you request for a change in tenure or prepay your loan amount.

What happens in case of increase or decrease in Aadhar Housing Finance interest rate?

Aadhar Housing Finance offers floating rate home loans only. If you take a floating rate loan from Aadhar Housing Finance, your interest rate and hence EMI will decrease with a cut in the repo rate and increase with an increase in repo rate on the date of reset. This means that your Aadhar Housing Finance home loan EMI can keep fluctuating during the loan tenure depending on the changes in interest rates.

Will Aadhar Housing Finance home loan EMI change in case of prepayment?

Aadhar Housing Finance allows prepayment at nil charges in case of floating rate home loans. When you make a prepayment, the outstanding balance of the principal amount on your Aadhar Housing Finance home loan reduces. In this case, you may choose to either keep the EMI same and reduce the loan tenure (that is paying off the loan faster) or reduce the EMI and keep the loan tenure the same (that is paying a lesser amount every month). It is beneficial to keep the Aadhar Housing Finance home loan EMI constant and reduce the loan tenure as you pay less interest to the bank in this option. After prepayment, you can calculate your home loan EMI using Aadhar Housing Finance home loan calculator.

Why should I calculate Aadhar Housing Finance loan EMI before taking a loan?

It is advised to calculate Aadhar Housing Finance home loan EMI before taking a home loan. There are several benefits of calculating your Aadhar Housing Finance housing loan EMI which can be done using Aadhar Housing Finance loan calculator Aadhar Housing Finance housing loan EMI calculator as discussed below -

  • In case EMI comes out to be more than your monthly budget, then you have the chance to apply for a lower loan amount which fits your monthly budget and make Aadhar Housing Finance EMI affordable.
  • If you already know the EMI you have to pay each month, then you can plan your spends accordingly
  • Based on the EMI amount, you can opt for making a prepayment of your home loan in the future when you have a surplus amount. You can calculate the aftermaths of prepayment using home loan emi calculator Aadhar Housing Finance.

What is the EMI for home loan in Aadhar Housing Finance?

The Aadhar Housing Finance EMI will vary based on loan amount, tenure, rate of interest and can be calculated using Aadhar Housing Finance home loan calculator. Based on the lowest rate of 11.00% and maximum tenure of 30 years, the Aadhar Housing Finance home loan EMI for different loan amount will be:

Loan amount EMI
₹ 10 Lakh ₹ 9,523
₹ 12 Lakh ₹ 11,428
₹ 15 Lakh ₹ 14,285
₹ 30 Lakh ₹ 28,570
₹ 50 Lakh ₹ 47,616

You can compare Aadhar Housing Finance home loan EMI for different loan amounts and tenure and then choose the loan amount based on your repayment capacity.

How accurate is a Aadhar Housing Finance Housing Loan EMI calculator?

Online Aadhar Housing Finance housing loan calculators use technology to calculate the results and hence, if the data entered by you is correct the results should be 100% accurate.The calculator works on a mathematical algorithm based on the formula: P*r* (1+r)^n/([(1+r)^n]-1). Here, P is the loan amount, r is the rate of interest per month and n is the tenure in month. The Aadhar Housing Finance home loan emi calculator is far better than manual calculations , as chances of error are less.

How to pay your Aadhar Housing Finance Home loan EMI Online?

To pay the EMI of Aadhar Housing Finance home loan, you can log in to your net banking account as provided during the time of availing the loan and pay using your savings account or debit/credit card. You can also visit the branch and submit the cheque of your EMI.

How is Aadhar Housing Finance home loan EMI calculated?

The Aadhar Housing Finance Home loan EMI calculation formula is as follows:
E = [P x R x (1+R)^N]/[(1+R)^N-1] where
‘E’ means Equated monthly instalments
‘P’ means the principal amount
‘N’ is the number of monthly instalments
‘R’ is the interest rate per month.

What is the EMI for ₹ 10 Lakh home loan in Aadhar Housing Finance?

You can use a 10 lakh home loan emi calculator Aadhar Housing Finance, to determine different EMI for different tenures. Let`s understand with examples:-

Loan amount Interest rate Tenure EMI
₹ 10 Lakh 11.00% 10 years loan ₹ 13,775
₹ 10 Lakh 11.00% 15 years loan ₹ 11,366
₹ 10 Lakh 11.00% 20 years loan ₹ 10,322

What is the EMI for ₹ 20 Lakh home loan in Aadhar Housing Finance?

You can use a 20 lakh home loan emi calculator Aadhar Housing Finance, to determine different EMI for different tenures. Let`s understand with examples:-

Loan amount Interest rate Tenure EMI
₹ 20 Lakh 11.00% 10 years loan ₹ 27,550
₹ 20 Lakh 11.00% 15 years loan ₹ 22,732
₹ 20 Lakh 11.00% 20 years loan ₹ 20,644

What is the EMI for ₹ 30 Lakh home loan in Aadhar Housing Finance?

You can use a 30 lakh home loan emi calculator Aadhar Housing Finance, to determine different EMI for different tenures. Let`s understand with examples:-

Loan amount Interest rate Tenure EMI
₹ 30 Lakh 11.00% 10 years loan ₹ 41,325
₹ 30 Lakh 11.00% 15 years loan ₹ 34,098
₹ 30 Lakh 11.00% 20 years loan ₹ 30,966

What is the EMI for ₹ 50 Lakh home loan in Aadhar Housing Finance?

You can use a 50 lakh home loan emi calculator Aadhar Housing Finance, to determine different EMI for different tenures. Let`s understand with examples:-

Loan amount Interest rate Tenure EMI
₹ 50 Lakh 11.00% 10 years loan ₹ 68,875
₹ 50 Lakh 11.00% 15 years loan ₹ 56,830
₹ 50 Lakh 11.00% 20 years loan ₹ 51,609

What is the EMI for a 25 lakhs home loan in Aadhar Housing Finance and how is it calculated?

EMI for ₹ 25 lakhs will be as follows for three different tenure, as per 25 lakh home loan emi calculator Aadhar Housing Finance:--

Loan amount Interest rate Tenure EMI
₹ 25 Lakh 11.00% 10 years loan ₹ 34,438
₹ 25 Lakh 11.00% 15 years loan ₹ 28,415
₹ 25 Lakh 11.00% 20 years loan ₹ 25,805

What is the EMI for 12 lakhs home loan in Aadhar Housing Finance?

A borrower will pay ₹ 15,043 if he/she takes a loan for 12 years at an interest rate of 11.00%. The 12 lakh home loan emi Aadhar Housing Finance may vary across Aadhar Housing Finance home loan interest rate.

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