MortgageCalc Logo
MortgageCalc
🌍 Country Calculators
🇺🇸 United States🇬🇧 United Kingdom🇨🇦 Canada🇦🇺 Australia🇳🇿 New Zealand🇸🇬 Singapore🇰🇷 South Korea🇦🇪 UAE🇳🇴 Norway🇸🇪 Sweden🇩🇰 Denmark🇮🇱 Israel🇮🇸 Iceland🇪🇺 Eurozone🇯🇵 Japan🇨🇭 Switzerland🇮🇳 India🇸🇦 Saudi Arabia🇨🇳 China

India Mortgage Calculator

Calculate your Indian home loan payments, compare loan options, and determine what you can afford in India

Loan Details
Enter your mortgage information to get accurate calculations

₹3,00,000

20.0% of home price (₹60,000)

Additional Costs
Monthly expenses beyond mortgage

₹3,000

₹1,200

Required if down payment < 20% (₹0)

₹0

Extra Payments
Pay off your mortgage faster

Monthly Payment

₹1,517

Principal & Interest

Total Monthly

₹1,867

Including all costs

Total Interest

₹3,06,107

Over life of loan

Total Cost

₹5,46,107

Principal + Interest

Payment Breakdown

Total Cost

₹5,46,107
Over 30 years

Principal

₹2,40,000
43.9% of total

Interest

₹3,06,107
56.1% of total

Payment Breakdown

Principal43.9%
₹2,40,000
Interest56.1%
₹3,06,107
Interest vs Principal Ratio
You'll pay 56% in interest
That's ₹66,107 more than the original loan amount
Amortization Schedule
See how your loan balance decreases over time
YearPaymentPrincipalInterestBalance
1₹1,517₹217₹1,300₹2,39,783
1₹1,517₹230₹1,287₹2,37,317
2₹1,517₹246₹1,271₹2,34,455
3₹1,517₹262₹1,255₹2,31,401
4₹1,517₹280₹1,237₹2,28,143
5₹1,517₹298₹1,219₹2,24,666
6₹1,517₹318₹1,199₹2,20,957
7₹1,517₹340₹1,177₹2,16,999
8₹1,517₹362₹1,155₹2,12,776
9₹1,517₹387₹1,130₹2,08,270
10₹1,517₹413₹1,104₹2,03,463
11₹1,517₹440₹1,077₹1,98,333
12₹1,517₹470₹1,047₹1,92,860
13₹1,517₹501₹1,016₹1,87,021
14₹1,517₹535₹982₹1,80,790
15₹1,517₹571₹946₹1,74,142
16₹1,517₹609₹908₹1,67,049
17₹1,517₹650₹867₹1,59,481
18₹1,517₹693₹824₹1,51,405
19₹1,517₹740₹777₹1,42,790
20₹1,517₹789₹728₹1,33,597
21₹1,517₹842₹675₹1,23,788
22₹1,517₹898₹619₹1,13,323
23₹1,517₹958₹559₹1,02,156
24₹1,517₹1,023₹494₹90,242
25₹1,517₹1,091₹426₹77,530
26₹1,517₹1,164₹353₹63,967
27₹1,517₹1,242₹275₹49,495
28₹1,517₹1,325₹192₹34,054
29₹1,517₹1,414₹103₹17,579
30₹1,517₹1,509₹8₹0

Indian Home Loan Calculator Guide

Our comprehensive Indian home loan calculator is designed specifically for the Indian housing market. Whether you're buying your first home in Mumbai, Delhi, Bangalore, or anywhere across India, our calculator accounts for Indian-specific factors like stamp duty, registration fees, and processing charges.

Indian Home Loan Features

PMAY Scheme:Calculate Pradhan Mantri Awas Yojana benefits for affordable housing.
First-Time Buyer:Calculate special rates and benefits for first-time home buyers.
Fixed & Floating Rates:Support for fixed and floating rate home loans up to 30 years.
Stamp Duty Calculator:Automatic stamp duty calculations by state and property value.
Registration Fees:Calculate property registration and documentation charges.
Processing Charges:Calculate loan processing and administrative fees.

India Mortgage Market Overview

The Indian home loan market offers various loan types including fixed-rate, floating-rate, and hybrid home loans. Current home loan rates vary by lender, credit score, and loan type, typically ranging from 8-12% depending on the bank. Our calculator helps you understand the true cost of homeownership including stamp duty, registration fees, and processing charges to make informed decisions about your home purchase across all Indian states and union territories.