Calculator
HDFC loan EMI calculator
General loan EMI with HDFC-style defaults.
≈ ₹10.00 L
- Monthly EMI
- ₹21,247
- Total interest
- ₹2,74,823
- Total payment
- ₹12,74,823
- Principal ₹10,00,000(78%)
- Interest ₹2,74,823(22%)
Year-by-year schedule
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| 1 | ₹1,62,268 | ₹92,696 | ₹8,37,732 |
| 2 | ₹1,79,260 | ₹75,705 | ₹6,58,472 |
| 3 | ₹1,98,031 | ₹56,934 | ₹4,60,442 |
| 4 | ₹2,18,767 | ₹36,198 | ₹2,41,675 |
| 5 | ₹2,41,675 | ₹13,290 | ₹0 |
Read this before you act on the number
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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 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 loan EMI calculator free to use?
- Yes. It runs in your browser, with no login and no inputs sent to a server.