Estimate your home loan EMI and compare published lender rates using the same loan amount and repayment tenure.
Verify rates before you decide. Rates shown are indicative and may change or vary by tenure, amount, age, credit profile and eligibility. Check the latest rate, fees and terms on the bank or lender’s official website or directly with its branch before applying or investing.
Lower advertised rates may require specific eligibility or an intermediary application. Calculations are estimates, not lender offers.
Enter or select an interest rate to calculate.
See published rates and estimated repayment costs for up to three lenders side by side.
Compare home loan ratesMonthly reducing balance. Fees and rate changes excluded.
Verify rates before you decide. Rates shown are indicative and may change or vary by tenure, amount, age, credit profile and eligibility. Check the latest rate, fees and terms on the bank or lender’s official website or directly with its branch before applying or investing.
Enter the amount you plan to borrow and the tenure in months. The calculator uses monthly reducing-balance interest to estimate your EMI, total interest and total repayment. A custom rate lets you evaluate a quote you have received.
A longer tenure generally lowers the monthly EMI at the same rate but increases total interest. Compare both the monthly commitment and the total repayment before choosing a tenure.
Floating rates can change during repayment, which may affect your EMI or tenure. Our estimate keeps the selected rate constant. Confirm the benchmark, spread, reset frequency and any fixed-rate period with the lender.
Published home loan rates are indicative. Your credit profile, loan amount, property and lender policy can affect the offer. Check processing charges, insurance conditions and prepayment terms before deciding.
Enter the same loan amount and tenure, choose up to three lenders, and compare. Each estimate uses the applicable lower or starting rate in our database.
No. EMI estimates cover principal and interest. Processing fees, taxes, insurance and other charges must be checked separately.
Not necessarily. The rate is a published starting rate or range, not a personal quote. Check your eligibility and current offer directly with the lender.
Read our calculation and rate methodology · Financial disclaimer · Report a rate correction