HDFC Bank Home Loan EMI Calculator

HDFC Bank Home Loan EMI Calculator enables loan applicants to calculate the EMIs and total interest costs payable on their...

HDFC Bank Home Loan EMI Calculator enables loan applicants to calculate the EMIs and total interest costs payable on their home loans for various combinations of loan amounts, interest rates and repayment tenures. Individuals can also use the HDFC home loan EMI calculator to find out the optimal EMI and loan tenure for their housing loans based on their repayment capacity and monthly contributions towards their important financial goals.

Calculate your Home Loan EMI Online

Select Your Bank

Enter Loan Amount

₹

1L10Cr

Rate of Interest (Yearly %)

6%30%

Loan Tenure

1Y 30Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

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HDFC Bank

Min Loan Amt. ₹15L

Rate of Interest7.2% - 13.2%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

ICICI Bank

Min Loan Amt. ₹15L

Rate of Interest7.65% - 9.80%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

Axis Bank

Min Loan Amt. ₹30L

Rate of Interest8.35% - 11.90%

Tenure uptoUpto 30 Years

Processing Fee₹ 14,000

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How Can I Apply for a Home Loan Online?

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Features of HDFC Bank Home Loan EMI Calculator

The home loan calculator evaluates the total EMIs and the overall interest cost.
It is time-saving and takes less effort.
The tool is user-friendly and is free of cost.
It gives accurate results.
You can assess your loan affordability using an EMI calculator.

Key Components of the EMI Calculator

The key components of the calculator include:

Interest rate - Interest rate is directly related to the home loan EMI. Higher the interest rate, larger will be the EMI and vice-versa.
Loan tenure - A longer tenure results in low EMI. However, the interest cost incurred in such cases is usually higher.
Loan amount - Higher the loan amount, higher will be the EMI.

HDFC Bank Home Loan EMI Scenarios

For 20 years

Loan Amount (Rs.)	Interest Rate (p.a.)	Tenure (years)	EMI (Rs.)
40 lakh	7.90%	20	33,209
30 lakh	7.90%	20	24,907
20 lakh	7.90%	20	16,605
10 lakh	7.90%	20	8,302

For 30 years

Loan Amount (Rs.)	Interest Rate (p.a.)	Tenure (years)	EMI (Rs.)
40 lakh	7.90%	30	29,072
30 lakh	7.90%	30	21,804
20 lakh	7.90%	30	14,536
10 lakh	7.90%	30	7,268

Part-Prepayment & Its Effect on HDFC Bank Home Loan EMI

Whenever you have surplus, you can pay a lump sum amount towards your principal amount before its maturity date. This is known as part-prepayment. This reduces your outstanding loan amount and eventually your EMI and total interest cost. The higher the prepayment amount, lower is the total loan cost. Thus, the loan gets closer faster.

HDFC Bank offers home loans at floating interest rates and do not charge any prepayment fees from their borrowers. However, for fixed interest rate home loans, lenders usually charge a prepayment fee of up to 2% of the prepaid loan amount.

Get a Home Loan for
Your Dream Home

How Can I Apply for a Home Loan Online?

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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Your Dream Home

FAQs

HDFC Bank home loan EMI calculator is an online financial tool that helps in evaluating the EMI and total interest cost to be paid through the loan tenure.

HDFC Bank home loan EMI calculator evaluates the home loan EMI based on the standard mathematical formula. All you need to do is enter the loan amount, interest rate and loan tenure in the EMI calculator and get instant results.

Yes, the EMI shown by the calculator are accurate for HDFC Bank home loan.

HDFC Bank offers home loans at floating interest rates. Therefore, it does not charge any prepayment fees.

EMI is directly related to the interest rates. As the interest rate falls, the EMI reduces.

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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