EMI Calculators · India

Free EMI Calculators for Indian borrowers

Calculate home loan, car loan, personal loan, and refinance EMIs with INR formatting, lakh/crore-aware numbers, and rate ranges aligned to current RBI benchmarks.

India US / Global

8.50%

Typical home loan rate (2026)

9.50%

Typical car loan rate

12-18%

Personal loan rate range

INR ₹

Default currency & format

Calculators

Pick your loan type

Each calculator pre-fills typical Indian loan amounts, tenures, and RBI-aligned rate ranges.

India · Home loan

Home Loan EMI Calculator

EMI on a ₹50 lakh home loan at 8.75% for 20 years, with prepayment and tenure-comparison scenarios.

Open calculator → India · Car loan

Car Loan EMI Calculator

EMI on new and used car loans, including dealer-finance vs bank-loan comparisons.

Open calculator → India · Personal loan

Personal Loan EMI Calculator

EMI for unsecured personal loans from Indian banks and NBFCs, with realistic 12–18% rate ranges.

Open calculator → India · Mortgage

Mortgage / Loan Against Property

EMI for mortgage and loan-against-property products with tenure-comparison scenarios.

Open calculator → India · Balance transfer

Home Loan Balance Transfer

Will refinancing or balance-transferring your home loan to a lower rate save money after fees?

Open calculator → Global

Amortization Schedule

Month-by-month EMI breakdown with optional prepayment scenarios. Works for any currency.

Open calculator →

Why an India-specific EMI calculator?

Indian borrowing has its own conventions: lakh- and crore-based amounts, RBI repo-linked floating rates, EMIs reset on rate changes, and bank vs NBFC pricing differentials of 1–3 percentage points. Generic calculators miss these. Our India calculators pre-fill realistic rupee amounts and rate ranges so that the worked examples and comparison tables you see actually match the offers you'll get from SBI, HDFC, ICICI, Axis, LIC Housing, Bajaj Finserv, Tata Capital, and similar lenders.

Rate ranges are aligned to the published Reserve Bank of India (RBI) benchmarks and the typical bank spreads above the repo rate or external benchmark lending rate (EBLR). For the latest current rates, always confirm with your lender's official sanction letter.