Home Loan Prepayment Calculator
Find out how much interest you can save and how much earlier you can close your home loan by making part-payments.
Reviewed for Budget 2025 • Last updated 21 June 2026 • by Sandesh D.
Loan Parameters
Outstanding Principal₹50,00,000
₹
Interest Rate (p.a.)8.50%
%
Loan Tenure20.0 Years (240 Months)
Months
Prepayment Parameters
Prepayment Amount₹1,00,000
₹
Prepayment Frequency
Start Prepayment at Month
Prepayment Strategy💡 Keeping your EMI constant saves the maximum interest cost.
Total Interest Saved
₹3,82,210
🎉 Finish your loan 11 months early!
MetricBaselineAfter Prepayment
Total Interest₹54,13,879₹50,31,669
Tenure240 Months229 Months
View Revised Repayment Schedule
| Month | Opening Bal | Actual Paid | Principal | Interest | Ending Bal |
|---|---|---|---|---|---|
| M 1 | ₹50,00,000 | ₹43,391 | ₹7,974 | ₹35,417 | ₹49,92,026 |
| M 2 | ₹49,92,026 | ₹43,391 | ₹8,031 | ₹35,360 | ₹49,83,995 |
| M 3 | ₹49,83,995 | ₹43,391 | ₹8,088 | ₹35,303 | ₹49,75,907 |
| M 4 | ₹49,75,907 | ₹43,391 | ₹8,145 | ₹35,246 | ₹49,67,762 |
| M 5 | ₹49,67,762 | ₹43,391 | ₹8,203 | ₹35,188 | ₹49,59,559 |
| M 6 | ₹49,59,559 | ₹43,391 | ₹8,261 | ₹35,130 | ₹49,51,299 |
| M 7 | ₹49,51,299 | ₹43,391 | ₹8,319 | ₹35,072 | ₹49,42,979 |
| M 8 | ₹49,42,979 | ₹43,391 | ₹8,378 | ₹35,013 | ₹49,34,601 |
| M 9 | ₹49,34,601 | ₹43,391 | ₹8,438 | ₹34,953 | ₹49,26,164 |
| M 10 | ₹49,26,164 | ₹43,391 | ₹8,497 | ₹34,894 | ₹49,17,666 |
| M 11 | ₹49,17,666 | ₹43,391 | ₹8,558 | ₹34,833 | ₹49,09,109 |
| M 12 | ₹49,09,109 | ₹1,43,391 | ₹8,618 | ₹34,773 | ₹48,00,491 |
| M 13 | ₹48,00,491 | ₹43,391 | ₹9,388 | ₹34,003 | ₹47,91,103 |
| M 14 | ₹47,91,103 | ₹43,391 | ₹9,454 | ₹33,937 | ₹47,81,649 |
| M 15 | ₹47,81,649 | ₹43,391 | ₹9,521 | ₹33,870 | ₹47,72,128 |
| M 16 | ₹47,72,128 | ₹43,391 | ₹9,588 | ₹33,803 | ₹47,62,540 |
| M 17 | ₹47,62,540 | ₹43,391 | ₹9,656 | ₹33,735 | ₹47,52,883 |
| M 18 | ₹47,52,883 | ₹43,391 | ₹9,725 | ₹33,666 | ₹47,43,159 |
| M 19 | ₹47,43,159 | ₹43,391 | ₹9,794 | ₹33,597 | ₹47,33,365 |
| M 20 | ₹47,33,365 | ₹43,391 | ₹9,863 | ₹33,528 | ₹47,23,502 |
| M 21 | ₹47,23,502 | ₹43,391 | ₹9,933 | ₹33,458 | ₹47,13,569 |
| M 22 | ₹47,13,569 | ₹43,391 | ₹10,003 | ₹33,388 | ₹47,03,566 |
| M 23 | ₹47,03,566 | ₹43,391 | ₹10,074 | ₹33,317 | ₹46,93,492 |
| M 24 | ₹46,93,492 | ₹43,391 | ₹10,145 | ₹33,246 | ₹46,83,346 |
| M 25 | ₹46,83,346 | ₹43,391 | ₹10,217 | ₹33,174 | ₹46,73,129 |
| M 26 | ₹46,73,129 | ₹43,391 | ₹10,290 | ₹33,101 | ₹46,62,839 |
| M 27 | ₹46,62,839 | ₹43,391 | ₹10,363 | ₹33,028 | ₹46,52,477 |
| M 28 | ₹46,52,477 | ₹43,391 | ₹10,436 | ₹32,955 | ₹46,42,041 |
| M 29 | ₹46,42,041 | ₹43,391 | ₹10,510 | ₹32,881 | ₹46,31,531 |
| M 30 | ₹46,31,531 | ₹43,391 | ₹10,584 | ₹32,807 | ₹46,20,947 |
| M 31 | ₹46,20,947 | ₹43,391 | ₹10,659 | ₹32,732 | ₹46,10,287 |
| M 32 | ₹46,10,287 | ₹43,391 | ₹10,735 | ₹32,656 | ₹45,99,553 |
| M 33 | ₹45,99,553 | ₹43,391 | ₹10,811 | ₹32,580 | ₹45,88,742 |
| M 34 | ₹45,88,742 | ₹43,391 | ₹10,887 | ₹32,504 | ₹45,77,854 |
| M 35 | ₹45,77,854 | ₹43,391 | ₹10,965 | ₹32,426 | ₹45,66,890 |
| M 36 | ₹45,66,890 | ₹43,391 | ₹11,042 | ₹32,349 | ₹45,55,848 |
| M 37 | ₹45,55,848 | ₹43,391 | ₹11,120 | ₹32,271 | ₹45,44,727 |
| M 38 | ₹45,44,727 | ₹43,391 | ₹11,199 | ₹32,192 | ₹45,33,528 |
| M 39 | ₹45,33,528 | ₹43,391 | ₹11,279 | ₹32,112 | ₹45,22,249 |
| M 40 | ₹45,22,249 | ₹43,391 | ₹11,358 | ₹32,033 | ₹45,10,891 |
| M 41 | ₹45,10,891 | ₹43,391 | ₹11,439 | ₹31,952 | ₹44,99,452 |
| M 42 | ₹44,99,452 | ₹43,391 | ₹11,520 | ₹31,871 | ₹44,87,932 |
| M 43 | ₹44,87,932 | ₹43,391 | ₹11,601 | ₹31,790 | ₹44,76,331 |
| M 44 | ₹44,76,331 | ₹43,391 | ₹11,684 | ₹31,707 | ₹44,64,647 |
| M 45 | ₹44,64,647 | ₹43,391 | ₹11,766 | ₹31,625 | ₹44,52,881 |
| M 46 | ₹44,52,881 | ₹43,391 | ₹11,850 | ₹31,541 | ₹44,41,031 |
| M 47 | ₹44,41,031 | ₹43,391 | ₹11,934 | ₹31,457 | ₹44,29,097 |
| M 48 | ₹44,29,097 | ₹43,391 | ₹12,018 | ₹31,373 | ₹44,17,079 |
| M 49 | ₹44,17,079 | ₹43,391 | ₹12,103 | ₹31,288 | ₹44,04,976 |
| M 50 | ₹44,04,976 | ₹43,391 | ₹12,189 | ₹31,202 | ₹43,92,787 |
| M 51 | ₹43,92,787 | ₹43,391 | ₹12,275 | ₹31,116 | ₹43,80,511 |
| M 52 | ₹43,80,511 | ₹43,391 | ₹12,362 | ₹31,029 | ₹43,68,149 |
| M 53 | ₹43,68,149 | ₹43,391 | ₹12,450 | ₹30,941 | ₹43,55,699 |
| M 54 | ₹43,55,699 | ₹43,391 | ₹12,538 | ₹30,853 | ₹43,43,161 |
| M 55 | ₹43,43,161 | ₹43,391 | ₹12,627 | ₹30,764 | ₹43,30,534 |
| M 56 | ₹43,30,534 | ₹43,391 | ₹12,716 | ₹30,675 | ₹43,17,817 |
| M 57 | ₹43,17,817 | ₹43,391 | ₹12,806 | ₹30,585 | ₹43,05,011 |
| M 58 | ₹43,05,011 | ₹43,391 | ₹12,897 | ₹30,494 | ₹42,92,114 |
| M 59 | ₹42,92,114 | ₹43,391 | ₹12,989 | ₹30,402 | ₹42,79,125 |
| M 60 | ₹42,79,125 | ₹43,391 | ₹13,081 | ₹30,310 | ₹42,66,045 |
| M 61 | ₹42,66,045 | ₹43,391 | ₹13,173 | ₹30,218 | ₹42,52,872 |
| M 62 | ₹42,52,872 | ₹43,391 | ₹13,266 | ₹30,125 | ₹42,39,605 |
| M 63 | ₹42,39,605 | ₹43,391 | ₹13,360 | ₹30,031 | ₹42,26,245 |
| M 64 | ₹42,26,245 | ₹43,391 | ₹13,455 | ₹29,936 | ₹42,12,789 |
| M 65 | ₹42,12,789 | ₹43,391 | ₹13,550 | ₹29,841 | ₹41,99,239 |
| M 66 | ₹41,99,239 | ₹43,391 | ₹13,646 | ₹29,745 | ₹41,85,593 |
| M 67 | ₹41,85,593 | ₹43,391 | ₹13,743 | ₹29,648 | ₹41,71,850 |
| M 68 | ₹41,71,850 | ₹43,391 | ₹13,840 | ₹29,551 | ₹41,58,009 |
| M 69 | ₹41,58,009 | ₹43,391 | ₹13,938 | ₹29,453 | ₹41,44,071 |
| M 70 | ₹41,44,071 | ₹43,391 | ₹14,037 | ₹29,354 | ₹41,30,034 |
| M 71 | ₹41,30,034 | ₹43,391 | ₹14,137 | ₹29,254 | ₹41,15,897 |
| M 72 | ₹41,15,897 | ₹43,391 | ₹14,237 | ₹29,154 | ₹41,01,660 |
| M 73 | ₹41,01,660 | ₹43,391 | ₹14,338 | ₹29,053 | ₹40,87,323 |
| M 74 | ₹40,87,323 | ₹43,391 | ₹14,439 | ₹28,952 | ₹40,72,884 |
| M 75 | ₹40,72,884 | ₹43,391 | ₹14,541 | ₹28,850 | ₹40,58,342 |
| M 76 | ₹40,58,342 | ₹43,391 | ₹14,644 | ₹28,747 | ₹40,43,698 |
| M 77 | ₹40,43,698 | ₹43,391 | ₹14,748 | ₹28,643 | ₹40,28,950 |
| M 78 | ₹40,28,950 | ₹43,391 | ₹14,853 | ₹28,538 | ₹40,14,097 |
| M 79 | ₹40,14,097 | ₹43,391 | ₹14,958 | ₹28,433 | ₹39,99,139 |
| M 80 | ₹39,99,139 | ₹43,391 | ₹15,064 | ₹28,327 | ₹39,84,075 |
| M 81 | ₹39,84,075 | ₹43,391 | ₹15,170 | ₹28,221 | ₹39,68,905 |
| M 82 | ₹39,68,905 | ₹43,391 | ₹15,278 | ₹28,113 | ₹39,53,627 |
| M 83 | ₹39,53,627 | ₹43,391 | ₹15,386 | ₹28,005 | ₹39,38,241 |
| M 84 | ₹39,38,241 | ₹43,391 | ₹15,495 | ₹27,896 | ₹39,22,746 |
| M 85 | ₹39,22,746 | ₹43,391 | ₹15,605 | ₹27,786 | ₹39,07,141 |
| M 86 | ₹39,07,141 | ₹43,391 | ₹15,715 | ₹27,676 | ₹38,91,425 |
| M 87 | ₹38,91,425 | ₹43,391 | ₹15,827 | ₹27,564 | ₹38,75,599 |
| M 88 | ₹38,75,599 | ₹43,391 | ₹15,939 | ₹27,452 | ₹38,59,660 |
| M 89 | ₹38,59,660 | ₹43,391 | ₹16,052 | ₹27,339 | ₹38,43,608 |
| M 90 | ₹38,43,608 | ₹43,391 | ₹16,165 | ₹27,226 | ₹38,27,443 |
| M 91 | ₹38,27,443 | ₹43,391 | ₹16,280 | ₹27,111 | ₹38,11,163 |
| M 92 | ₹38,11,163 | ₹43,391 | ₹16,395 | ₹26,996 | ₹37,94,768 |
| M 93 | ₹37,94,768 | ₹43,391 | ₹16,511 | ₹26,880 | ₹37,78,256 |
| M 94 | ₹37,78,256 | ₹43,391 | ₹16,628 | ₹26,763 | ₹37,61,628 |
| M 95 | ₹37,61,628 | ₹43,391 | ₹16,746 | ₹26,645 | ₹37,44,882 |
| M 96 | ₹37,44,882 | ₹43,391 | ₹16,865 | ₹26,526 | ₹37,28,017 |
| M 97 | ₹37,28,017 | ₹43,391 | ₹16,984 | ₹26,407 | ₹37,11,033 |
| M 98 | ₹37,11,033 | ₹43,391 | ₹17,105 | ₹26,286 | ₹36,93,928 |
| M 99 | ₹36,93,928 | ₹43,391 | ₹17,226 | ₹26,165 | ₹36,76,702 |
| M 100 | ₹36,76,702 | ₹43,391 | ₹17,348 | ₹26,043 | ₹36,59,355 |
| M 101 | ₹36,59,355 | ₹43,391 | ₹17,471 | ₹25,920 | ₹36,41,884 |
| M 102 | ₹36,41,884 | ₹43,391 | ₹17,594 | ₹25,797 | ₹36,24,290 |
| M 103 | ₹36,24,290 | ₹43,391 | ₹17,719 | ₹25,672 | ₹36,06,571 |
| M 104 | ₹36,06,571 | ₹43,391 | ₹17,844 | ₹25,547 | ₹35,88,726 |
| M 105 | ₹35,88,726 | ₹43,391 | ₹17,971 | ₹25,420 | ₹35,70,756 |
| M 106 | ₹35,70,756 | ₹43,391 | ₹18,098 | ₹25,293 | ₹35,52,657 |
| M 107 | ₹35,52,657 | ₹43,391 | ₹18,226 | ₹25,165 | ₹35,34,431 |
| M 108 | ₹35,34,431 | ₹43,391 | ₹18,355 | ₹25,036 | ₹35,16,076 |
| M 109 | ₹35,16,076 | ₹43,391 | ₹18,485 | ₹24,906 | ₹34,97,590 |
| M 110 | ₹34,97,590 | ₹43,391 | ₹18,616 | ₹24,775 | ₹34,78,974 |
| M 111 | ₹34,78,974 | ₹43,391 | ₹18,748 | ₹24,643 | ₹34,60,226 |
| M 112 | ₹34,60,226 | ₹43,391 | ₹18,881 | ₹24,510 | ₹34,41,344 |
| M 113 | ₹34,41,344 | ₹43,391 | ₹19,015 | ₹24,376 | ₹34,22,330 |
| M 114 | ₹34,22,330 | ₹43,391 | ₹19,149 | ₹24,242 | ₹34,03,180 |
| M 115 | ₹34,03,180 | ₹43,391 | ₹19,285 | ₹24,106 | ₹33,83,895 |
| M 116 | ₹33,83,895 | ₹43,391 | ₹19,422 | ₹23,969 | ₹33,64,473 |
| M 117 | ₹33,64,473 | ₹43,391 | ₹19,559 | ₹23,832 | ₹33,44,914 |
| M 118 | ₹33,44,914 | ₹43,391 | ₹19,698 | ₹23,693 | ₹33,25,216 |
| M 119 | ₹33,25,216 | ₹43,391 | ₹19,837 | ₹23,554 | ₹33,05,379 |
| M 120 | ₹33,05,379 | ₹43,391 | ₹19,978 | ₹23,413 | ₹32,85,401 |
| M 121 | ₹32,85,401 | ₹43,391 | ₹20,119 | ₹23,272 | ₹32,65,281 |
| M 122 | ₹32,65,281 | ₹43,391 | ₹20,262 | ₹23,129 | ₹32,45,020 |
| M 123 | ₹32,45,020 | ₹43,391 | ₹20,405 | ₹22,986 | ₹32,24,614 |
| M 124 | ₹32,24,614 | ₹43,391 | ₹20,550 | ₹22,841 | ₹32,04,064 |
| M 125 | ₹32,04,064 | ₹43,391 | ₹20,696 | ₹22,695 | ₹31,83,369 |
| M 126 | ₹31,83,369 | ₹43,391 | ₹20,842 | ₹22,549 | ₹31,62,526 |
| M 127 | ₹31,62,526 | ₹43,391 | ₹20,990 | ₹22,401 | ₹31,41,537 |
| M 128 | ₹31,41,537 | ₹43,391 | ₹21,138 | ₹22,253 | ₹31,20,398 |
| M 129 | ₹31,20,398 | ₹43,391 | ₹21,288 | ₹22,103 | ₹30,99,110 |
| M 130 | ₹30,99,110 | ₹43,391 | ₹21,439 | ₹21,952 | ₹30,77,671 |
| M 131 | ₹30,77,671 | ₹43,391 | ₹21,591 | ₹21,800 | ₹30,56,080 |
| M 132 | ₹30,56,080 | ₹43,391 | ₹21,744 | ₹21,647 | ₹30,34,336 |
| M 133 | ₹30,34,336 | ₹43,391 | ₹21,898 | ₹21,493 | ₹30,12,439 |
| M 134 | ₹30,12,439 | ₹43,391 | ₹22,053 | ₹21,338 | ₹29,90,386 |
| M 135 | ₹29,90,386 | ₹43,391 | ₹22,209 | ₹21,182 | ₹29,68,177 |
| M 136 | ₹29,68,177 | ₹43,391 | ₹22,366 | ₹21,025 | ₹29,45,810 |
| M 137 | ₹29,45,810 | ₹43,391 | ₹22,525 | ₹20,866 | ₹29,23,285 |
| M 138 | ₹29,23,285 | ₹43,391 | ₹22,684 | ₹20,707 | ₹29,00,601 |
| M 139 | ₹29,00,601 | ₹43,391 | ₹22,845 | ₹20,546 | ₹28,77,756 |
| M 140 | ₹28,77,756 | ₹43,391 | ₹23,007 | ₹20,384 | ₹28,54,749 |
| M 141 | ₹28,54,749 | ₹43,391 | ₹23,170 | ₹20,221 | ₹28,31,579 |
| M 142 | ₹28,31,579 | ₹43,391 | ₹23,334 | ₹20,057 | ₹28,08,245 |
| M 143 | ₹28,08,245 | ₹43,391 | ₹23,499 | ₹19,892 | ₹27,84,746 |
| M 144 | ₹27,84,746 | ₹43,391 | ₹23,666 | ₹19,725 | ₹27,61,080 |
| M 145 | ₹27,61,080 | ₹43,391 | ₹23,833 | ₹19,558 | ₹27,37,247 |
| M 146 | ₹27,37,247 | ₹43,391 | ₹24,002 | ₹19,389 | ₹27,13,245 |
| M 147 | ₹27,13,245 | ₹43,391 | ₹24,172 | ₹19,219 | ₹26,89,073 |
| M 148 | ₹26,89,073 | ₹43,391 | ₹24,343 | ₹19,048 | ₹26,64,729 |
| M 149 | ₹26,64,729 | ₹43,391 | ₹24,516 | ₹18,875 | ₹26,40,213 |
| M 150 | ₹26,40,213 | ₹43,391 | ₹24,689 | ₹18,702 | ₹26,15,524 |
| M 151 | ₹26,15,524 | ₹43,391 | ₹24,864 | ₹18,527 | ₹25,90,659 |
| M 152 | ₹25,90,659 | ₹43,391 | ₹25,040 | ₹18,351 | ₹25,65,619 |
| M 153 | ₹25,65,619 | ₹43,391 | ₹25,218 | ₹18,173 | ₹25,40,401 |
| M 154 | ₹25,40,401 | ₹43,391 | ₹25,396 | ₹17,995 | ₹25,15,005 |
| M 155 | ₹25,15,005 | ₹43,391 | ₹25,576 | ₹17,815 | ₹24,89,428 |
| M 156 | ₹24,89,428 | ₹43,391 | ₹25,758 | ₹17,633 | ₹24,63,671 |
| M 157 | ₹24,63,671 | ₹43,391 | ₹25,940 | ₹17,451 | ₹24,37,731 |
| M 158 | ₹24,37,731 | ₹43,391 | ₹26,124 | ₹17,267 | ₹24,11,607 |
| M 159 | ₹24,11,607 | ₹43,391 | ₹26,309 | ₹17,082 | ₹23,85,298 |
| M 160 | ₹23,85,298 | ₹43,391 | ₹26,495 | ₹16,896 | ₹23,58,803 |
| M 161 | ₹23,58,803 | ₹43,391 | ₹26,683 | ₹16,708 | ₹23,32,120 |
| M 162 | ₹23,32,120 | ₹43,391 | ₹26,872 | ₹16,519 | ₹23,05,248 |
| M 163 | ₹23,05,248 | ₹43,391 | ₹27,062 | ₹16,329 | ₹22,78,186 |
| M 164 | ₹22,78,186 | ₹43,391 | ₹27,254 | ₹16,137 | ₹22,50,932 |
| M 165 | ₹22,50,932 | ₹43,391 | ₹27,447 | ₹15,944 | ₹22,23,485 |
| M 166 | ₹22,23,485 | ₹43,391 | ₹27,641 | ₹15,750 | ₹21,95,844 |
| M 167 | ₹21,95,844 | ₹43,391 | ₹27,837 | ₹15,554 | ₹21,68,007 |
| M 168 | ₹21,68,007 | ₹43,391 | ₹28,034 | ₹15,357 | ₹21,39,973 |
| M 169 | ₹21,39,973 | ₹43,391 | ₹28,233 | ₹15,158 | ₹21,11,740 |
| M 170 | ₹21,11,740 | ₹43,391 | ₹28,433 | ₹14,958 | ₹20,83,307 |
| M 171 | ₹20,83,307 | ₹43,391 | ₹28,634 | ₹14,757 | ₹20,54,673 |
| M 172 | ₹20,54,673 | ₹43,391 | ₹28,837 | ₹14,554 | ₹20,25,836 |
| M 173 | ₹20,25,836 | ₹43,391 | ₹29,041 | ₹14,350 | ₹19,96,794 |
| M 174 | ₹19,96,794 | ₹43,391 | ₹29,247 | ₹14,144 | ₹19,67,547 |
| M 175 | ₹19,67,547 | ₹43,391 | ₹29,454 | ₹13,937 | ₹19,38,093 |
| M 176 | ₹19,38,093 | ₹43,391 | ₹29,663 | ₹13,728 | ₹19,08,430 |
| M 177 | ₹19,08,430 | ₹43,391 | ₹29,873 | ₹13,518 | ₹18,78,557 |
| M 178 | ₹18,78,557 | ₹43,391 | ₹30,085 | ₹13,306 | ₹18,48,473 |
| M 179 | ₹18,48,473 | ₹43,391 | ₹30,298 | ₹13,093 | ₹18,18,175 |
| M 180 | ₹18,18,175 | ₹43,391 | ₹30,512 | ₹12,879 | ₹17,87,663 |
| M 181 | ₹17,87,663 | ₹43,391 | ₹30,728 | ₹12,663 | ₹17,56,934 |
| M 182 | ₹17,56,934 | ₹43,391 | ₹30,946 | ₹12,445 | ₹17,25,988 |
| M 183 | ₹17,25,988 | ₹43,391 | ₹31,165 | ₹12,226 | ₹16,94,823 |
| M 184 | ₹16,94,823 | ₹43,391 | ₹31,386 | ₹12,005 | ₹16,63,437 |
| M 185 | ₹16,63,437 | ₹43,391 | ₹31,608 | ₹11,783 | ₹16,31,829 |
| M 186 | ₹16,31,829 | ₹43,391 | ₹31,832 | ₹11,559 | ₹15,99,997 |
| M 187 | ₹15,99,997 | ₹43,391 | ₹32,058 | ₹11,333 | ₹15,67,939 |
| M 188 | ₹15,67,939 | ₹43,391 | ₹32,285 | ₹11,106 | ₹15,35,654 |
| M 189 | ₹15,35,654 | ₹43,391 | ₹32,513 | ₹10,878 | ₹15,03,141 |
| M 190 | ₹15,03,141 | ₹43,391 | ₹32,744 | ₹10,647 | ₹14,70,397 |
| M 191 | ₹14,70,397 | ₹43,391 | ₹32,976 | ₹10,415 | ₹14,37,421 |
| M 192 | ₹14,37,421 | ₹43,391 | ₹33,209 | ₹10,182 | ₹14,04,212 |
| M 193 | ₹14,04,212 | ₹43,391 | ₹33,444 | ₹9,947 | ₹13,70,768 |
| M 194 | ₹13,70,768 | ₹43,391 | ₹33,681 | ₹9,710 | ₹13,37,086 |
| M 195 | ₹13,37,086 | ₹43,391 | ₹33,920 | ₹9,471 | ₹13,03,166 |
| M 196 | ₹13,03,166 | ₹43,391 | ₹34,160 | ₹9,231 | ₹12,69,006 |
| M 197 | ₹12,69,006 | ₹43,391 | ₹34,402 | ₹8,989 | ₹12,34,604 |
| M 198 | ₹12,34,604 | ₹43,391 | ₹34,646 | ₹8,745 | ₹11,99,958 |
| M 199 | ₹11,99,958 | ₹43,391 | ₹34,891 | ₹8,500 | ₹11,65,067 |
| M 200 | ₹11,65,067 | ₹43,391 | ₹35,138 | ₹8,253 | ₹11,29,928 |
| M 201 | ₹11,29,928 | ₹43,391 | ₹35,387 | ₹8,004 | ₹10,94,541 |
| M 202 | ₹10,94,541 | ₹43,391 | ₹35,638 | ₹7,753 | ₹10,58,903 |
| M 203 | ₹10,58,903 | ₹43,391 | ₹35,890 | ₹7,501 | ₹10,23,012 |
| M 204 | ₹10,23,012 | ₹43,391 | ₹36,145 | ₹7,246 | ₹9,86,868 |
| M 205 | ₹9,86,868 | ₹43,391 | ₹36,401 | ₹6,990 | ₹9,50,467 |
| M 206 | ₹9,50,467 | ₹43,391 | ₹36,659 | ₹6,732 | ₹9,13,808 |
| M 207 | ₹9,13,808 | ₹43,391 | ₹36,918 | ₹6,473 | ₹8,76,890 |
| M 208 | ₹8,76,890 | ₹43,391 | ₹37,180 | ₹6,211 | ₹8,39,711 |
| M 209 | ₹8,39,711 | ₹43,391 | ₹37,443 | ₹5,948 | ₹8,02,268 |
| M 210 | ₹8,02,268 | ₹43,391 | ₹37,708 | ₹5,683 | ₹7,64,559 |
| M 211 | ₹7,64,559 | ₹43,391 | ₹37,975 | ₹5,416 | ₹7,26,584 |
| M 212 | ₹7,26,584 | ₹43,391 | ₹38,244 | ₹5,147 | ₹6,88,339 |
| M 213 | ₹6,88,339 | ₹43,391 | ₹38,515 | ₹4,876 | ₹6,49,824 |
| M 214 | ₹6,49,824 | ₹43,391 | ₹38,788 | ₹4,603 | ₹6,11,036 |
| M 215 | ₹6,11,036 | ₹43,391 | ₹39,063 | ₹4,328 | ₹5,71,973 |
| M 216 | ₹5,71,973 | ₹43,391 | ₹39,340 | ₹4,051 | ₹5,32,634 |
| M 217 | ₹5,32,634 | ₹43,391 | ₹39,618 | ₹3,773 | ₹4,93,016 |
| M 218 | ₹4,93,016 | ₹43,391 | ₹39,899 | ₹3,492 | ₹4,53,117 |
| M 219 | ₹4,53,117 | ₹43,391 | ₹40,181 | ₹3,210 | ₹4,12,935 |
| M 220 | ₹4,12,935 | ₹43,391 | ₹40,466 | ₹2,925 | ₹3,72,469 |
| M 221 | ₹3,72,469 | ₹43,391 | ₹40,753 | ₹2,638 | ₹3,31,717 |
| M 222 | ₹3,31,717 | ₹43,391 | ₹41,041 | ₹2,350 | ₹2,90,675 |
| M 223 | ₹2,90,675 | ₹43,391 | ₹41,332 | ₹2,059 | ₹2,49,343 |
| M 224 | ₹2,49,343 | ₹43,391 | ₹41,625 | ₹1,766 | ₹2,07,718 |
| M 225 | ₹2,07,718 | ₹43,391 | ₹41,920 | ₹1,471 | ₹1,65,799 |
| M 226 | ₹1,65,799 | ₹43,391 | ₹42,217 | ₹1,174 | ₹1,23,582 |
| M 227 | ₹1,23,582 | ₹43,391 | ₹42,516 | ₹875 | ₹81,067 |
| M 228 | ₹81,067 | ₹43,391 | ₹42,817 | ₹574 | ₹38,250 |
| M 229 | ₹38,250 | ₹38,521 | ₹38,250 | ₹271 | ₹0 |
Save Even More
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Check if you can switch to a lower interest rate with minimal fees. Save lakhs by refinancing your home loan.
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Calculation Methodology & Rules
The Home Loan Prepayment Calculator allows you to evaluate the financial benefits of making early part-payments on your home loan. If you are debating between paying off debt or investing, read our decision framework: Should You Prepay Your Home Loan or Invest?.
Why early prepayments save more
Interest is calculated on the outstanding balance. Prepayments go entirely toward reducing the principal outstanding. Since this principal is reduced, subsequent interest components decrease, compounding your savings.
For detailed rules, formulas, references, and official guidelines, see the complete Ganakam Calculation Methodology.
Frequently Asked Questions
You can choose either option. Reducing tenure (keeping the EMI constant) saves the maximum interest because the principal is paid down faster. Reducing EMI (keeping tenure constant) lowers your monthly cash flow burden.
Under RBI regulations, banks and NBFCs cannot charge individual borrowers any prepayment or foreclosure penalties on floating-rate home loans.
Even making a small prepayment early in your loan tenure can save you lakhs of rupees in interest. This calculator models your specific amounts to show exact interest and months saved.