Initializing Experience...
Initializing Experience...
Model payment timing, step EMIs, prepayments, fees, floating rates, and tax benefits.
Core amount, rate, tenure, compounding, and Indian display preference.
Choose arrears or advance payments, step-up/down EMIs, and balloon payments.
Test bonus payments, monthly top-ups, and what changes after a prepayment.
Include hidden charges and estimate Indian home-loan deductions.
Monthly EMI
₹43,391
Base installment before optional top-ups.
Total Interest
₹50,69,412
Interest saved: ₹3,44,466
Total Cost of Credit
₹1,00,98,912
Principal + interest + processing fees + GST.
Net Amount Disbursed
₹49,70,500
Fees + GST: ₹29,500
Closure Timeline
19 yr 2 mo
Tenure saved: 10 mo
Total Paid
₹1,00,98,912
All loan payments plus upfront charges.
Stress test rate movements while keeping the original EMI constant.
Simulated rate: 9.00%
EMI for same tenure: ₹44,986
If EMI is unchanged: 22 yr 4 mo (+2 yr 4 mo)
Processing fee, GST, real disbursal, and home-loan tax benefit estimate.
Section 24b interest eligible: ₹2,00,000
Section 80C principal eligible: ₹99,511
Potential first-year tax saving: ₹89,853
Month-by-month principal, interest, extra payment, and remaining balance.
| Month | Opening | EMI | Extra | Interest | Principal | Balance |
|---|---|---|---|---|---|---|
| 1 | ₹50,00,000 | ₹43,391 | - | ₹35,417 | ₹7,974 | ₹49,92,026 |
| 2 | ₹49,92,026 | ₹43,391 | - | ₹35,360 | ₹8,031 | ₹49,83,995 |
| 3 | ₹49,83,995 | ₹43,391 | - | ₹35,303 | ₹8,088 | ₹49,75,907 |
| 4 | ₹49,75,907 | ₹43,391 | - | ₹35,246 | ₹8,145 | ₹49,67,762 |
| 5 | ₹49,67,762 | ₹43,391 | - | ₹35,188 | ₹8,203 | ₹49,59,559 |
| 6 | ₹49,59,559 | ₹43,391 | - | ₹35,130 | ₹8,261 | ₹49,51,298 |
| 7 | ₹49,51,298 | ₹43,391 | - | ₹35,072 | ₹8,319 | ₹49,42,978 |
| 8 | ₹49,42,978 | ₹43,391 | - | ₹35,013 | ₹8,378 | ₹49,34,600 |
| 9 | ₹49,34,600 | ₹43,391 | - | ₹34,953 | ₹8,438 | ₹49,26,162 |
| 10 | ₹49,26,162 | ₹43,391 | - | ₹34,894 | ₹8,498 | ₹49,17,665 |
| 11 | ₹49,17,665 | ₹43,391 | - | ₹34,833 | ₹8,558 | ₹49,09,107 |
| 12 | ₹49,09,107 | ₹43,391 | - | ₹34,773 | ₹8,618 | ₹49,00,489 |
| 13 | ₹49,00,489 | ₹43,391 | - | ₹34,712 | ₹8,679 | ₹48,91,809 |
| 14 | ₹48,91,809 | ₹43,391 | - | ₹34,650 | ₹8,741 | ₹48,83,068 |
| 15 | ₹48,83,068 | ₹43,391 | - | ₹34,588 | ₹8,803 | ₹48,74,266 |
| 16 | ₹48,74,266 | ₹43,391 | - | ₹34,526 | ₹8,865 | ₹48,65,400 |
| 17 | ₹48,65,400 | ₹43,391 | - | ₹34,463 | ₹8,928 | ₹48,56,473 |
| 18 | ₹48,56,473 | ₹43,391 | - | ₹34,400 | ₹8,991 | ₹48,47,481 |
| 19 | ₹48,47,481 | ₹43,391 | - | ₹34,336 | ₹9,055 | ₹48,38,427 |
| 20 | ₹48,38,427 | ₹43,391 | - | ₹34,272 | ₹9,119 | ₹48,29,308 |
| 21 | ₹48,29,308 | ₹43,391 | - | ₹34,208 | ₹9,184 | ₹48,20,124 |
| 22 | ₹48,20,124 | ₹43,391 | - | ₹34,143 | ₹9,249 | ₹48,10,875 |
| 23 | ₹48,10,875 | ₹43,391 | - | ₹34,077 | ₹9,314 | ₹48,01,561 |
| 24 | ₹48,01,561 | ₹43,391 | ₹1,00,000 | ₹34,011 | ₹1,09,380 | ₹46,92,181 |