HDFC Bank Home Loan EMI Calculator
HDFC Bank offers home loans for a range of borrowing needs. If you're considering an HDFC Bank home loan, enter the amount, interest rate and repayment period you want to explore. Adjust the figures to see how each choice affects your monthly instalment and total cost.
Calculate your home loan EMI
Your estimated monthly EMI
₹27,135
- Loan amount
- ₹35,00,000
- Total interest
- ₹30,12,511
- Total repayment
- ₹65,12,511
Year-by-year repayment schedule
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| 1 | ₹83,263 | ₹2,42,362 | ₹34,16,737 |
| 2 | ₹89,282 | ₹2,36,343 | ₹33,27,454 |
| 3 | ₹95,737 | ₹2,29,889 | ₹32,31,718 |
| 4 | ₹1,02,657 | ₹2,22,968 | ₹31,29,060 |
| 5 | ₹1,10,079 | ₹2,15,547 | ₹30,18,982 |
| 6 | ₹1,18,036 | ₹2,07,589 | ₹29,00,946 |
| 7 | ₹1,26,569 | ₹1,99,057 | ₹27,74,377 |
| 8 | ₹1,35,719 | ₹1,89,907 | ₹26,38,658 |
| 9 | ₹1,45,530 | ₹1,80,096 | ₹24,93,129 |
| 10 | ₹1,56,050 | ₹1,69,575 | ₹23,37,078 |
| 11 | ₹1,67,331 | ₹1,58,295 | ₹21,69,748 |
| 12 | ₹1,79,427 | ₹1,46,198 | ₹19,90,320 |
| 13 | ₹1,92,398 | ₹1,33,227 | ₹17,97,922 |
| 14 | ₹2,06,307 | ₹1,19,319 | ₹15,91,615 |
| 15 | ₹2,21,221 | ₹1,04,405 | ₹13,70,395 |
| 16 | ₹2,37,213 | ₹88,413 | ₹11,33,182 |
| 17 | ₹2,54,361 | ₹71,265 | ₹8,78,822 |
| 18 | ₹2,72,748 | ₹52,877 | ₹6,06,073 |
| 19 | ₹2,92,465 | ₹33,160 | ₹3,13,608 |
| 20 | ₹3,13,608 | ₹12,018 | ₹0 |
How this calculator helps you
- Estimate a monthly instalment using your own loan amount and interest rate.
- See how much interest you might pay over the full repayment period.
- Adjust tenure to compare monthly payments against overall borrowing cost.
- Use the repayment total to plan before discussing an offer with your lender.
How HDFC Bank Home Loan EMI Calculator Works
The calculator uses the standard reducing-balance formula: EMI = P × r × (1+r)n ÷ ((1+r)n − 1). Here, P is the loan amount, r is the annual rate divided by 12 and 100, and n is the number of monthly instalments. As the outstanding balance falls, the interest portion of each payment falls too.
A worked example
For an illustrative ₹55,00,000 loan at 8.75% per year over 12 years, the estimated monthly EMI is ₹61,820. Total interest comes to approximately ₹34,02,055, making the total repayment ₹89,02,055.
HDFC TruFixed
A hybrid home loan where part of the loan is fixed-rate and part floating, balancing predictability with lower long-term cost. The calculator above estimates a standard home loan EMI; it does not simulate this product's hybrid structure.
Frequently asked questions
HDFC TruFixed is a hybrid home loan where part of the loan is fixed-rate and part floating, balancing predictability with lower long-term cost. The calculator above estimates a standard home loan EMI; it does not simulate this product's hybrid structure.
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the loan amount, r is the monthly interest rate and n is the number of monthly payments. At 0% interest, divide the loan amount by the number of months.
A part payment reduces the outstanding principal. Depending on your lender's terms, you may keep the EMI and shorten the tenure, or reduce the EMI while keeping the tenure.
Yes. Enter the figures you want to explore. The monthly EMI, total interest and total repayment update as you change the inputs.
Compare EMI across banks
EMI360 is an independent platform, not affiliated with HDFC Bank Limited. This calculator provides estimates for planning purposes.