Home Loan Prepayment Calculator
Thinking about prepaying your home loan?
This calculator shows you exactly what it’s worth before you decide. Enter your outstanding loan amount, interest rate, tenure, and how much you’d like to prepay, and you’ll instantly see two ways to use that money: lower your monthly EMI while keeping the loan tenure the same, or keep your EMI unchanged and close the loan sooner. Compare both, see the real numbers side by side, and pick whichever fits your finances better.
You Could Save
12,93,405 INR
over a loan tenure of 25 years
Number of Months Your Loan Will Close Early
55 Months
Current EMI
53,715 INR
Revised EMI
49,404 INR
Current Tenure
300 months
Revised Tenure
245 months
This calculator produces an estimate only, based on the figures you enter and a standard reducing-balance loan calculation. It does not know your lender's actual pre-payment charges, processing fees, day-count method, or any future change to your interest rate, and it should not be treated as financial, tax, or legal advice. Please confirm the exact numbers with your lender before acting on them.
Take Charge of Your Loan Prepayment
Our loan experts can set up your prepayment with your existing lender – no paperwork guesswork, no missed steps.