Calculate your exact monthly loan EMI, total interest payable, and get a complete year-by-year amortisation table.
| Year | EMI Paid | Principal Paid | Interest Paid | Balance |
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Prepaying even ₹50,000–1 lakh annually on a home loan can save lakhs in interest and shorten tenure significantly. Most banks allow part-prepayment without penalty.
A ₹50L loan at 8.5% for 15 years costs ₹36L in interest vs ₹54L for 20 years. Higher EMI short-term, but enormous savings long-term.
If rates have fallen since you took the loan, a balance transfer to a lower-rate lender can save 0.5–1% on remaining principal — often worth the switching cost.
Our advisors help you structure your loan, down payment, and investments optimally.