Home Loan EMI Calculator — Delhi NCR
Work out your monthly home-loan EMI for a property in Gurugram, Noida, Greater Noida or Delhi. Enter the loan amount, your bank's interest rate and the tenure — the calculator returns your EMI, total interest and total payable instantly. Use the result as an estimate only; the selected lender decides eligibility, rate, LTV, sanction, valuation, legal acceptance and disbursement after document review.
Home Loan (EMI) Calculator
Illustrative estimate. Actual terms depend on lender approval.
₹2,00,00,000
20% ≈ ₹40,00,000
Example: 8.5% – 10.5%
240 months
Loan Amount
₹1,60,00,000
Estimated EMI / month
₹1,43,956
Total Interest
₹1,85,49,477
Total Payable (Principal + Interest): ₹3,45,49,477
Disclaimer: This calculator is for illustrative purposes only. Loan eligibility, EMI, interest rate, charges and final sanction depend on lender policies, credit profile and documentation. Please verify with your bank/NBFC.
Example EMI per ₹1 crore borrowed
| Interest rate | EMI — 10 yr | EMI — 20 yr |
|---|---|---|
| 8.25% | ₹1,22,700 | ₹85,200 |
| 8.50% | ₹1,24,000 | ₹86,800 |
| 9.00% | ₹1,26,700 | ₹90,000 |
Arithmetic examples per ₹1 crore of loan. These sample rates are not current lender offers, rate quotes or approval signals. Use the calculator with your lender's written amount, rate and tenure; rates change with the RBI repo rate, lender policy and your profile.
Frequently asked questions
How is a home loan EMI calculated?
EMI uses the reducing-balance formula EMI = P×r×(1+r)^n / ((1+r)^n−1), where P is the loan principal, r is the monthly interest rate (annual rate ÷ 12 ÷ 100) and n is the number of monthly instalments. The calculator above applies this instantly; total interest is EMI × n minus the principal.
Can NRIs get a home loan for property in Delhi NCR?
Many Indian banks and housing-finance companies offer NRI or OCI home-loan routes, but eligibility, account route, tenure, loan-to-value, documents, rate and repayment terms depend on the lender, borrower profile and transaction. Confirm the specific offer with the selected lender and qualified adviser. This tool is not financial advice.
What interest rate should I enter?
Enter the lender’s current written rate for your borrower profile and property. The sample rates on this page are arithmetic examples only, not current lender offers, rate quotes or approval signals. Compare fixed, floating and reset-linked terms in the lender’s sanction letter and Key Facts Statement before committing.
Does the EMI include stamp duty and registration?
No. EMI covers only the loan repayment. Stamp duty, registration charges, GST (on under-construction), preferential-location charges and maintenance are separate, upfront costs. Use our stamp-duty calculator alongside this one to budget the full purchase.
Buying across Delhi NCR? Altina Livings helps you budget the full cost — price, EMI, stamp duty and registration — and can share home-loan referral options where available. Confirm all lending and buyer-advisory terms in writing with the relevant provider. Use the home-loan document checklist, also try our stamp-duty calculator, talk to an advisor, or browse current projects.