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. NRIs are eligible too, repaid via NRE/NRO accounts.
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.
Sample EMI per ₹1 crore borrowed
| Interest rate | EMI — 10 yr | EMI — 20 yr |
|---|---|---|
| 8.25% | ₹1,22,800 | ₹85,200 |
| 8.50% | ₹1,24,000 | ₹86,800 |
| 9.00% | ₹1,26,700 | ₹90,000 |
Indicative EMI per ₹1 crore of loan. Multiply by your loan size in crore for a rough figure, or use the calculator above for an exact estimate. Rates change with the RBI repo rate 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?
Yes. NRIs and OCIs are eligible for home loans from Indian banks and housing-finance companies, repaid through NRE/NRO accounts. Tenure, loan-to-value and documentation differ from resident loans — NRI tenures are often shorter and rates can vary — so confirm the specific offer with your lender. This tool is not financial advice.
What is a typical home loan interest rate in 2026?
Rates move with the RBI repo rate and your credit profile, and most luxury-segment loans are floating. Treat any single number as indicative — enter your bank’s actual quoted rate in the calculator for a realistic EMI, and compare fixed vs floating 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 refer you to home-loan partners, at zero buyer brokerage. Also try our stamp-duty calculator, talk to an advisor, or browse current projects.