Home Loan Calculator
See the EMI, the true cost of borrowing including fees and GST, and where every year of repayment goes. The rate you are actually offered comes from Finbridge.
- Principal repaid₹60,00,000 · 52.7%
- Interest paid₹53,81,414 · 47.3%
Cost of borrowing — upfront charges (incl. 18% GST)
- Processing fee₹10,000
- Legal & administration fee₹5,750
- GST @ 18% on fees₹2,835
- Cash-to-close (paid upfront)₹18,585
Cash-to-close is charged on top of the loan and does not reduce your principal — budget for it separately from your down payment. Fee bands vary by bank; see the rate card above.
The rate you are actually sanctioned, which concessions apply, and which fees a bank will waive depend on your profile and the lender relationship. Get a personalised plan from a Finbridge advisor — free, no obligation.
Amortization ledger
| Year | Opening balance | Principal | Interest | Closing balance |
|---|---|---|---|---|
| 1 | ₹60,00,000 | ₹1,38,617 | ₹4,30,454 | ₹58,61,383 |
| 2 | ₹58,61,383 | ₹1,49,007 | ₹4,20,064 | ₹57,12,376 |
| 3 | ₹57,12,376 | ₹1,60,177 | ₹4,08,894 | ₹55,52,200 |
| 4 | ₹55,52,200 | ₹1,72,183 | ₹3,96,888 | ₹53,80,016 |
| 5 | ₹53,80,016 | ₹1,85,090 | ₹3,83,981 | ₹51,94,927 |
| 6 | ₹51,94,927 | ₹1,98,964 | ₹3,70,107 | ₹49,95,963 |
| 7 | ₹49,95,963 | ₹2,13,878 | ₹3,55,193 | ₹47,82,086 |
| 8 | ₹47,82,086 | ₹2,29,910 | ₹3,39,161 | ₹45,52,176 |
| 9 | ₹45,52,176 | ₹2,47,143 | ₹3,21,928 | ₹43,05,033 |
| 10 | ₹43,05,033 | ₹2,65,669 | ₹3,03,402 | ₹40,39,364 |
| 11 | ₹40,39,364 | ₹2,85,583 | ₹2,83,488 | ₹37,53,782 |
| 12 | ₹37,53,782 | ₹3,06,989 | ₹2,62,081 | ₹34,46,792 |
| 13 | ₹34,46,792 | ₹3,30,001 | ₹2,39,070 | ₹31,16,792 |
| 14 | ₹31,16,792 | ₹3,54,737 | ₹2,14,334 | ₹27,62,054 |
| 15 | ₹27,62,054 | ₹3,81,328 | ₹1,87,743 | ₹23,80,727 |
| 16 | ₹23,80,727 | ₹4,09,911 | ₹1,59,159 | ₹19,70,816 |
| 17 | ₹19,70,816 | ₹4,40,638 | ₹1,28,433 | ₹15,30,178 |
| 18 | ₹15,30,178 | ₹4,73,667 | ₹95,404 | ₹10,56,511 |
| 19 | ₹10,56,511 | ₹5,09,172 | ₹59,898 | ₹5,47,339 |
| 20 | ₹5,47,339 | ₹5,47,339 | ₹21,732 | ₹0 |
The full 240-row ledger — every EMI split, prepayment scenarios, and the point where you cross into majority-principal — comes with your personalised Finbridge plan.
Talk To FinbridgeIllustrative figures for a floating-rate loan at a 750+ CIBIL score, computed on the standard reducing-balance formula. Actual sanction terms, fee waivers and rate resets are set by the lender at disbursal. Finbridge is not a lender — this tool is provided for planning purposes only.
What Each Figure Tells You
Monthly EMI
What leaves your account every month for the full tenure at the chosen rate.
Total Interest
The price of the loan over its life — often close to the amount you borrowed.
Cost To Close
Processing, legal and GST charges paid upfront, separate from your down payment.
Amortization
How the split between principal and interest shifts as the balance falls.
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