How does the HDFC home loan EMI calculator work?

Reducing-balance EMI. Rate is an editable starting point — verify against the lender's current rate card. The result is an estimate in Indian rupees, not a quote from any lender, bank or fund.

Are the default rates current?

No. Defaults are illustrative starting points. Verify the current rate against the lender's or fund's latest rate card before making a decision.

Is the HDFC home loan EMI calculator free to use?

Yes. It runs in your browser, with no login and no inputs sent to a server.

Calculator

HDFC home loan EMI calculator

Home-loan EMI with HDFC-style defaults.

Loan amount (₹)

≈ ₹50.00 L

Interest rate (% p.a.)

Tenure (years)

Monthly EMI: ₹44,665
Total interest: ₹57,19,656
Total payment: ₹1,07,19,656

Principal ₹50,00,000(47%)
Interest ₹57,19,656(53%)

Outstanding balance ₹49.05 LYear 1 → 20

Year-by-year schedule

Year	Principal paid	Interest paid	Balance
1	₹94,787	₹4,41,195	₹49,05,213
2	₹1,03,576	₹4,32,407	₹48,01,636
3	₹1,13,180	₹4,22,803	₹46,88,456
4	₹1,23,674	₹4,12,308	₹45,64,782
5	₹1,35,142	₹4,00,841	₹44,29,640
6	₹1,47,672	₹3,88,311	₹42,81,968
7	₹1,61,365	₹3,74,618	₹41,20,603
8	₹1,76,327	₹3,59,656	₹39,44,277
9	₹1,92,676	₹3,43,307	₹37,51,601
10	₹2,10,541	₹3,25,442	₹35,41,060
11	₹2,30,063	₹3,05,920	₹33,10,997
12	₹2,51,395	₹2,84,588	₹30,59,602
13	₹2,74,704	₹2,61,278	₹27,84,898
14	₹3,00,176	₹2,35,807	₹24,84,722
15	₹3,28,008	₹2,07,974	₹21,56,714
16	₹3,58,422	₹1,77,561	₹17,98,292
17	₹3,91,655	₹1,44,327	₹14,06,637
18	₹4,27,970	₹1,08,013	₹9,78,666
19	₹4,67,652	₹68,330	₹5,11,014
20	₹5,11,014	₹24,969	₹0

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Maths: Reducing-balance EMI. Rate is an editable starting point — verify against the lender's current rate card. Verify rates against the lender's or fund's current card before acting.

Questions about this calculator

How does the HDFC home loan EMI calculator work?: Reducing-balance EMI. Rate is an editable starting point — verify against the lender's current rate card. The result is an estimate in Indian rupees, not a quote from any lender, bank or fund.
Are the default rates current?: No. Defaults are illustrative starting points. Verify the current rate against the lender's or fund's latest rate card before making a decision.
Is the HDFC home loan EMI calculator free to use?: Yes. It runs in your browser, with no login and no inputs sent to a server.