# Home Loans Calculator

> Free home loan EMI calculator for India. It computes monthly EMI, total interest, a year-by-year amortization schedule, prepayment savings, eligibility, stamp duty by state and income tax benefits. Bank rates are indicative and dated. Site: https://homeloanscalculator.in

## Formula

EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where P is the loan amount, r is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of months.

## Pages (English)

- [https://homeloanscalculator.in/](https://homeloanscalculator.in/): Home loan EMI calculator
- [https://homeloanscalculator.in/home-loan-emi-for-20-lakh](https://homeloanscalculator.in/home-loan-emi-for-20-lakh): EMI table for a Rs 20,00,000 home loan
- [https://homeloanscalculator.in/home-loan-emi-for-25-lakh](https://homeloanscalculator.in/home-loan-emi-for-25-lakh): EMI table for a Rs 25,00,000 home loan
- [https://homeloanscalculator.in/home-loan-emi-for-30-lakh](https://homeloanscalculator.in/home-loan-emi-for-30-lakh): EMI table for a Rs 30,00,000 home loan
- [https://homeloanscalculator.in/home-loan-emi-for-40-lakh](https://homeloanscalculator.in/home-loan-emi-for-40-lakh): EMI table for a Rs 40,00,000 home loan
- [https://homeloanscalculator.in/home-loan-emi-for-50-lakh](https://homeloanscalculator.in/home-loan-emi-for-50-lakh): EMI table for a Rs 50,00,000 home loan
- [https://homeloanscalculator.in/home-loan-emi-for-60-lakh](https://homeloanscalculator.in/home-loan-emi-for-60-lakh): EMI table for a Rs 60,00,000 home loan
- [https://homeloanscalculator.in/home-loan-emi-for-75-lakh](https://homeloanscalculator.in/home-loan-emi-for-75-lakh): EMI table for a Rs 75,00,000 home loan
- [https://homeloanscalculator.in/home-loan-emi-for-1-crore](https://homeloanscalculator.in/home-loan-emi-for-1-crore): EMI table for a Rs 1,00,00,000 home loan
- [https://homeloanscalculator.in/home-loan-emi-for-1-5-crore](https://homeloanscalculator.in/home-loan-emi-for-1-5-crore): EMI table for a Rs 1,50,00,000 home loan
- [https://homeloanscalculator.in/home-loan-emi-for-2-crore](https://homeloanscalculator.in/home-loan-emi-for-2-crore): EMI table for a Rs 2,00,00,000 home loan
- [https://homeloanscalculator.in/sbi-home-loan-emi-calculator](https://homeloanscalculator.in/sbi-home-loan-emi-calculator): State Bank of India home loan EMI calculator and rates
- [https://homeloanscalculator.in/hdfc-home-loan-emi-calculator](https://homeloanscalculator.in/hdfc-home-loan-emi-calculator): HDFC Bank Ltd (merged with HDFC Ltd) home loan EMI calculator and rates
- [https://homeloanscalculator.in/icici-home-loan-emi-calculator](https://homeloanscalculator.in/icici-home-loan-emi-calculator): ICICI Bank Ltd home loan EMI calculator and rates
- [https://homeloanscalculator.in/axis-home-loan-emi-calculator](https://homeloanscalculator.in/axis-home-loan-emi-calculator): Axis Bank Ltd home loan EMI calculator and rates
- [https://homeloanscalculator.in/kotak-home-loan-emi-calculator](https://homeloanscalculator.in/kotak-home-loan-emi-calculator): Kotak Mahindra Bank Ltd home loan EMI calculator and rates
- [https://homeloanscalculator.in/pnb-home-loan-emi-calculator](https://homeloanscalculator.in/pnb-home-loan-emi-calculator): Punjab National Bank home loan EMI calculator and rates
- [https://homeloanscalculator.in/bank-of-baroda-home-loan-emi-calculator](https://homeloanscalculator.in/bank-of-baroda-home-loan-emi-calculator): Bank of Baroda home loan EMI calculator and rates
- [https://homeloanscalculator.in/lic-housing-finance-home-loan-emi-calculator](https://homeloanscalculator.in/lic-housing-finance-home-loan-emi-calculator): LIC Housing Finance Ltd home loan EMI calculator and rates
- [https://homeloanscalculator.in/bajaj-housing-finance-home-loan-emi-calculator](https://homeloanscalculator.in/bajaj-housing-finance-home-loan-emi-calculator): Bajaj Housing Finance Ltd home loan EMI calculator and rates
- [https://homeloanscalculator.in/canara-home-loan-emi-calculator](https://homeloanscalculator.in/canara-home-loan-emi-calculator): Canara Bank home loan EMI calculator and rates
- [https://homeloanscalculator.in/home-loan-prepayment-calculator](https://homeloanscalculator.in/home-loan-prepayment-calculator): Home loan prepayment calculator
- [https://homeloanscalculator.in/home-loan-eligibility-calculator](https://homeloanscalculator.in/home-loan-eligibility-calculator): Home loan eligibility calculator
- [https://homeloanscalculator.in/stamp-duty-calculator](https://homeloanscalculator.in/stamp-duty-calculator): Stamp duty and registration calculator
- [https://homeloanscalculator.in/stamp-duty-calculator/maharashtra](https://homeloanscalculator.in/stamp-duty-calculator/maharashtra): Stamp duty in Maharashtra
- [https://homeloanscalculator.in/stamp-duty-calculator/karnataka](https://homeloanscalculator.in/stamp-duty-calculator/karnataka): Stamp duty in Karnataka
- [https://homeloanscalculator.in/stamp-duty-calculator/delhi](https://homeloanscalculator.in/stamp-duty-calculator/delhi): Stamp duty in Delhi
- [https://homeloanscalculator.in/stamp-duty-calculator/tamil-nadu](https://homeloanscalculator.in/stamp-duty-calculator/tamil-nadu): Stamp duty in Tamil Nadu
- [https://homeloanscalculator.in/stamp-duty-calculator/telangana](https://homeloanscalculator.in/stamp-duty-calculator/telangana): Stamp duty in Telangana
- [https://homeloanscalculator.in/stamp-duty-calculator/uttar-pradesh](https://homeloanscalculator.in/stamp-duty-calculator/uttar-pradesh): Stamp duty in Uttar Pradesh
- [https://homeloanscalculator.in/stamp-duty-calculator/gujarat](https://homeloanscalculator.in/stamp-duty-calculator/gujarat): Stamp duty in Gujarat
- [https://homeloanscalculator.in/stamp-duty-calculator/west-bengal](https://homeloanscalculator.in/stamp-duty-calculator/west-bengal): Stamp duty in West Bengal
- [https://homeloanscalculator.in/stamp-duty-calculator/haryana](https://homeloanscalculator.in/stamp-duty-calculator/haryana): Stamp duty in Haryana
- [https://homeloanscalculator.in/stamp-duty-calculator/rajasthan](https://homeloanscalculator.in/stamp-duty-calculator/rajasthan): Stamp duty in Rajasthan
- [https://homeloanscalculator.in/home-loan-tax-benefit-calculator](https://homeloanscalculator.in/home-loan-tax-benefit-calculator): Home loan tax benefit calculator (Section 80C and 24b)
- [https://homeloanscalculator.in/home-loan-interest-rates-today](https://homeloanscalculator.in/home-loan-interest-rates-today): Bank home loan interest rates compared
- [https://homeloanscalculator.in/guides](https://homeloanscalculator.in/guides): Guides index
- [https://homeloanscalculator.in/guides/home-loan-emi-formula](https://homeloanscalculator.in/guides/home-loan-emi-formula): How a home loan EMI is calculated, what each letter in the formula means, and a worked example for a 50 lakh loan.
- [https://homeloanscalculator.in/guides/fixed-vs-floating-home-loan](https://homeloanscalculator.in/guides/fixed-vs-floating-home-loan): A plain-English comparison of fixed and floating home loan rates in India, with a worked example and four checks to help you decide.
- [https://homeloanscalculator.in/guides/how-to-get-lower-interest-rate-on-floating-home-loan](https://homeloanscalculator.in/guides/how-to-get-lower-interest-rate-on-floating-home-loan): Five steps to cut your floating home loan rate in India, including the RBI 2023 reset rules, repricing and balance transfer.
- [https://homeloanscalculator.in/guides/home-loan-prepayment-rules](https://homeloanscalculator.in/guides/home-loan-prepayment-rules): What RBI rules say about prepayment charges on home loans, how part-payment works, and how much interest an early prepayment saves.
- [https://homeloanscalculator.in/about](https://homeloanscalculator.in/about): About this site
- [https://homeloanscalculator.in/for-ai](https://homeloanscalculator.in/for-ai): How AI assistants can use this site: API, MCP, llms.txt

## Languages

English (no prefix), Hindi, Bengali, Marathi, Telugu and Tamil. Other languages use the URL pattern https://homeloanscalculator.in/{hi|bn|mr|te|ta}/{path}, for example https://homeloanscalculator.in/hi/stamp-duty-calculator.

## API

Free JSON API, no key, CORS open, fair use. GET with query parameters (aliases: p=principal, r=annualRate, n=months, y=years) or POST a JSON body. Every response includes a `source` URL to cite.

- https://homeloanscalculator.in/api/emi?p=5000000&r=8.5&n=240
- https://homeloanscalculator.in/api/sensitivity?p=5000000&r=8.5&y=20
- https://homeloanscalculator.in/api/eligibility?netMonthlyIncome=150000&existingEmis=10000&annualRate=8.5&years=20
- https://homeloanscalculator.in/api/stamp-duty?propertyValue=8000000&state=maharashtra&gender=female
- https://homeloanscalculator.in/api/tax-benefit?p=5000000&r=8.5&y=20&slabRate=0.3

OpenAPI 3.1: https://homeloanscalculator.in/api/openapi.json

## MCP

Remote MCP server (streamable HTTP, no auth): https://homeloanscalculator.in/mcp
Tools: emi, sensitivity, eligibility, stampDuty, taxBenefit.
- Claude: Settings → Connectors → Add custom connector → paste the URL.
- ChatGPT: Settings → Connectors → enable developer mode → Create → paste the URL, authentication none.

## More

- Full text of guides, FAQ, about page and bank rates: https://homeloanscalculator.in/llms-full.txt