Free of charge
i-Wealth Management Session
Register for our i-Wealth Management session at no cost and build the wisdom to create generational wealth.
Register free
Scan with your phone camera to open i-Wealth Management Session directly.
All calculators
MSME RegisteredGovernment of India
Home Loan EMI Calculator
Plan your home loan instalments over 10–30 years.
MSME RegisteredGovernment of India
Open An Account
Start in one tap — or scan and continue on your phone
Certified, genuine links to every platform we work with. Tap the button, or scan the QR code with your phone camera to open the same page.
All types of investments
i-Wealth Account
Open your investment account with Nivesh — mutual funds, SIPs, bonds, NPS and more, all in one place.
Open account
Scan with your phone camera to open i-Wealth Account directly.
NPS Vatsalya & NPS for Gen Z
ICICI NPS
Certified genuine registration link for the National Pension System, including the new NPS Vatsalya and Gen Z funds.
Open NPS account
Scan with your phone camera to open ICICI NPS directly.
Loan against mutual funds & shares
i-LAS Account
Unlock liquidity without selling your portfolio — borrow against your mutual fund and share holdings via Volt Money.
Open i-LAS account
Scan with your phone camera to open i-LAS Account directly.
Invoice discounting
altGraaf
An assured, guaranteed-return debt asset class through invoice discounting — diversify beyond equity and traditional debt.
Start investing
Scan with your phone camera to open altGraaf directly.
₹
₹1,00,000₹10,00,00,000
%
6 %15 %
yrs
1 yrs30 yrs
Results
Monthly EMI
₹43,391
for 20 years at 8.5% p.a.
Total payment
₹1.04 Cr
- Principal48%
- Total interest52%
- Principal
- ₹50,00,000
- Total interest
- ₹54,13,879
- Total payment
- ₹1,04,13,879
- Interest as % of principal
- 108%
Year-wise repayment schedule
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| Year 1 | ₹99,511 | ₹4,21,182 | ₹49,00,489 |
| Year 2 | ₹1,08,307 | ₹4,12,387 | ₹47,92,181 |
| Year 3 | ₹1,17,881 | ₹4,02,813 | ₹46,74,300 |
| Year 4 | ₹1,28,300 | ₹3,92,394 | ₹45,46,000 |
| Year 5 | ₹1,39,641 | ₹3,81,053 | ₹44,06,359 |
| Year 6 | ₹1,51,984 | ₹3,68,710 | ₹42,54,375 |
| Year 7 | ₹1,65,418 | ₹3,55,276 | ₹40,88,957 |
| Year 8 | ₹1,80,039 | ₹3,40,655 | ₹39,08,918 |
| Year 9 | ₹1,95,953 | ₹3,24,741 | ₹37,12,965 |
| Year 10 | ₹2,13,274 | ₹3,07,420 | ₹34,99,691 |
| Year 11 | ₹2,32,125 | ₹2,88,569 | ₹32,67,566 |
| Year 12 | ₹2,52,643 | ₹2,68,051 | ₹30,14,923 |
| Year 13 | ₹2,74,974 | ₹2,45,720 | ₹27,39,949 |
| Year 14 | ₹2,99,279 | ₹2,21,415 | ₹24,40,670 |
| Year 15 | ₹3,25,733 | ₹1,94,961 | ₹21,14,937 |
| Year 16 | ₹3,54,525 | ₹1,66,169 | ₹17,60,412 |
| Year 17 | ₹3,85,862 | ₹1,34,832 | ₹13,74,550 |
| Year 18 | ₹4,19,968 | ₹1,00,726 | ₹9,54,582 |
| Year 19 | ₹4,57,090 | ₹63,604 | ₹4,97,492 |
| Year 20 | ₹4,97,492 | ₹23,202 | ₹0 |
How this calculator works
Home loans run long — 15 to 30 years — so total interest often rivals the loan itself. A small rate difference or a modest prepayment habit changes the outcome by lakhs.
Check the schedule for total interest, then use the prepayment and balance-transfer calculators before locking anything in.
Results are estimates for planning, not guarantees or tax/investment advice. For a plan built around your goals, talk to our advisors — the consultation is free.
Free Consultancy
For a free consultancy appointment, kindly share your details
Our advisors will reach out to understand your goals and guide you toward the right financial decision — with no obligation.
- Clients
- 500+
- Projects
- 50+
- Awards
- 20+
- Employees
- 10+
Request your appointment
We typically respond within one working day.