How does the ICICI 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 ICICI home loan EMI calculator free to use?

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

Calculator

ICICI home loan EMI calculator

Home-loan EMI with ICICI-style defaults.

Loan amount (₹)

≈ ₹50.00 L

Interest rate (% p.a.)

Tenure (years)

Monthly EMI: ₹44,505
Total interest: ₹56,81,219
Total payment: ₹1,06,81,219

Principal ₹50,00,000(47%)
Interest ₹56,81,219(53%)

Outstanding balance ₹49.05 LYear 1 → 20

Year-by-year schedule

Year	Principal paid	Interest paid	Balance
1	₹95,368	₹4,38,693	₹49,04,632
2	₹1,04,159	₹4,29,902	₹48,00,474
3	₹1,13,760	₹4,20,301	₹46,86,714
4	₹1,24,246	₹4,09,815	₹45,62,467
5	₹1,35,699	₹3,98,362	₹44,26,768
6	₹1,48,208	₹3,85,853	₹42,78,560
7	₹1,61,870	₹3,72,191	₹41,16,690
8	₹1,76,791	₹3,57,270	₹39,39,900
9	₹1,93,087	₹3,40,974	₹37,46,812
10	₹2,10,886	₹3,23,175	₹35,35,926
11	₹2,30,325	₹3,03,736	₹33,05,601
12	₹2,51,557	₹2,82,504	₹30,54,044
13	₹2,74,745	₹2,59,316	₹27,79,299
14	₹3,00,071	₹2,33,990	₹24,79,229
15	₹3,27,731	₹2,06,330	₹21,51,497
16	₹3,57,941	₹1,76,120	₹17,93,556
17	₹3,90,936	₹1,43,125	₹14,02,620
18	₹4,26,972	₹1,07,088	₹9,75,647
19	₹4,66,331	₹67,730	₹5,09,317
20	₹5,09,317	₹24,744	₹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 ICICI 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 ICICI home loan EMI calculator free to use?: Yes. It runs in your browser, with no login and no inputs sent to a server.