Home Loan Prepayment Calculator
A lump sum against the principal can save a surprising amount of interest — especially early on. See what your prepayment saves, and whether it's better to cut the tenure or cut the EMI.
Reducing the tenure usually saves more total interest.
Loan clears about 3.4 years sooner.
Indicative only. This assumes the rate stays constant and ignores any charges. Floating-rate home loans to individuals generally carry no prepayment penalty, but confirm with your lender. Whether to prepay or invest the money instead depends on your returns, taxes and liquidity — a call for a financial planner.
Related Guides — Deep-dive reading
Home Loan Prepayment and Foreclosure in India: A Plain Guide (2026)
How paying extra into your home loan works - part-prepayment versus full foreclosure, whether to cut your EMI or your tenure, why prepaying early saves the most, and the honest trade-off against investing the money instead.
Home FinanceFixed vs Floating Interest Rate on a Home Loan in India (2026)
How the two rate structures work under the RBI repo-linked (EBLR) regime, what happens to your EMI or tenure when rates move, and who each one really suits.
Home FinanceHome Loan Balance Transfer in India: When Refinancing to a Lower Rate Is Worth It (2026)
What a balance transfer really is, how to run the break-even before you switch lenders, the top-up option, the full process, and when it is smarter to just ask your own bank to re-price.
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