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How it works
EMI Calculator in 3 Steps
1
Enter your numbers
Adjust the sliders or inputs on the left. Results update in real-time.
2
See the result
Maturity value, gain, and key metrics show in the dark panel on the right.
3
Get a real plan
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Frequently Asked
FAQ — EMI Calculator
How is EMI calculated?
EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is principal, r is monthly interest rate, n is number of months.
What is a good home loan rate in 2026?
8.4–9.2% for salaried borrowers with CIBIL above 750. PSU banks typically 10–20 bps cheaper than private.
Should I prepay my home loan or invest the surplus?
If post-tax MF return > post-tax-benefit loan rate, invest. Otherwise prepay.
Does prepayment reduce tenure or EMI?
You choose. Reducing tenure saves more interest. Reducing EMI improves monthly cash flow.
Need a personalized plan?
A calculator is the start. Our advisor turns these numbers into a tailored product pick, tax angle, and review cadence — free.
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