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EMI Calculator India 2026
🔍 Reviewed by FinMandi Research Team · ✓ Standard banking formula · ✓ Cross-checked against published bank calculator results · Updated May 2026
Calculate Home Loan, Car Loan or Personal Loan EMI instantly — with full repayment schedule
👨‍💼 Reviewed by FinMandi Research Team — 10+ years banking · Verified May 2026 ✓ Cross-checked against official sources

Loan Details

Rs 30,00,000Rupees
Rs 1LRs 1 Cr
8.50%% p.a.
5%24%
20 YearsYears
1 Year30 Years
Current Bank Rates — Click to Apply
Monthly EMI
Rs 26,035
Home Loan · 20 Years · 8.50%
Principal
Rs 30L
Total Interest
Rs 32.5L
Total Payment
Rs 62.5L
Payment Breakdown
Principal48%
Interest52%

Year-wise Repayment Schedule

Show All Years ↓
YearOpening BalancePrincipal PaidInterest PaidClosing Balance

⚠️ Disclaimer: Results are indicative and for informational purposes only. Actual amounts may vary based on your provider's specific terms, applicable charges, and other factors. FinMandi is an independent information platform — not a bank, NBFC, insurer, or registered investment adviser. Always verify figures directly with your bank or financial provider before making any financial decision.