🏢 Home Loan EMI Calculator
Instantly calculate your monthly EMI, total interest payable, and find the best bank rate for your dream home.
⚙️ Loan Parameters
₹5L₹5Cr
6%14%
5 yrs30 yrs
* Calculation is indicative. Actual EMI may vary by lender and eligibility.
📊 Your EMI Summary
Monthly EMI
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Principal Amount
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Total Interest
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Total Payable
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Principal
Interest
🏛️ Current Bank Home Loan Rates (Jun 2026)
SBI Home Loan
8.50% p.a.
Starting rate · Up to 30 yrs
HDFC Bank
8.65% p.a.
Starting rate · Up to 30 yrs
ICICI Bank
8.75% p.a.
Starting rate · Up to 30 yrs
Axis Bank
8.75% p.a.
Starting rate · Up to 30 yrs
Kotak Mahindra
8.70% p.a.
Starting rate · Up to 20 yrs
LIC Housing Finance
8.50% p.a.
Starting rate · Up to 30 yrs
PNB Housing
8.55% p.a.
Starting rate · Up to 30 yrs
Bank of Baroda
8.40% p.a.
Starting rate · Up to 30 yrs
💡 Smart Home Loan Tips
📈
Pre-pay when possible
Even ₹10,000/month extra can cut your tenure by 4–5 years and save lakhs in interest.
🏷️
Higher down payment = lower EMI
Try to pay 25–30% down instead of 20%. It reduces EMI and shows creditworthiness.
📊
Check your CIBIL score first
A CIBIL score above 750 can get you rates 0.25–0.50% lower, saving ₹2–5L over loan tenure.
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