Know the instalment before you sign
And know how much of it is interest, which is the part nobody shows you.
Home loan
Your monthly instalment
Set the loan amount, the tenure, and the rate you have been offered.
Your EMI would be
₹43,391
for 20 years on a ₹50,00,000 loan
Total you repay
₹1,04,13,879
Total interest
₹54,13,879
You repay ₹54,13,879 in interest — that is 108% on top of what you borrowed.
Where your instalments go
* Returns shown are illustrative, not guaranteed. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Common questions
Why is my early EMI almost all interest?
Interest is charged on the outstanding balance, which is highest at the start. On a ₹50 lakh 20-year loan, the first year repays under ₹1 lakh of principal against more than ₹4 lakh of interest.
Does a shorter tenure really help?
Substantially. The EMI rises, but total interest falls sharply because the balance clears faster.
Can prepaying reduce my interest?
Yes. Any prepayment goes straight against principal, so every rupee saves you all the future interest that rupee would have carried.