Home Loan Prepayment Calculator
LoanCompare a lump-sum part payment on your home loan two ways — cut the tenure and save interest, or keep the tenure and lower the EMI. Shows the interest saved, the months knocked off and the penalty position.
Enter values
Result
Monthly EMI now₹29,542
Balance after 12 EMIs (before part payment)₹28,96,524
Total interest if you never prepay₹23,17,594
Option A — keep the EMI, cut the tenureInterest saved ₹5,84,952
Loan closes early by2 yrs 5 mos
Option B — keep the tenure, cut the EMINew EMI ₹26,482
Interest saved on Option B₹2,14,039
Prepayment chargeNil on floating-rate loans for individuals
Indicative calculation for planning only. Actual figures depend on government rules, bank rates and your documents. Talk to our expert for exact numbers.
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