Intelligent Home Loan EMI Calculator
A home loan EMI calculator helps estimate monthly repayments based on loan amount, interest rate, and tenure. This one goes a step further, with a full amortization schedule and one-time prepayment planning.
₹1,04,882/mo
Home Loan Payment Schedule
Left axis measures payment done each year (interest + principal, together). Right axis measures the principal still owed.
What you need in hand, for a ₹2 Cr property
The gap between the property value and your loan above, plus registration, is cash you arrange yourself.
- Down payment (25%)
- ₹50 L
- Stamp duty (5%)
- ₹10 L
- Registration fee (2%)
- ₹4 L
- Cess & surcharge (0.6%)
- ₹1.2 L
Cash needed before possession
₹65.2 L
Based on the property value you set above, against a ₹1.5 Cr loan. Registration rates are for Bengaluru, above ₹45 lakh.
The EMI above covers only the loan. See what else you'll need in hand, above.
Talk to an advisorDisclaimer*: *For representation purpose only. Final values may vary subject to bank's policy.
Before you sign
Bengaluru property registration: what you actually pay
Your EMI only covers what the bank lends against. Registration is a separate cash cost, paid on top of your loan, and most buyers underestimate it by half. Above ₹45 lakh within BBMP limits, budget 7.6% of the property value, not the 1–2% most people plan for.
Stamp duty
5%
For the state government
Registration fee
2%
Doubled from 1% in August 2025
Cess
0.5%
For administrative costs
Surcharge
0.1%
For a special purpose fund
A correction worth flagging
The lower 2–3% stamp duty slabs apply only to the first sale of a flat from a builder, priced under ₹45 lakh. Resale flats, plots, independent houses, and commercial property in Bengaluru all attract the flat 5% rate, regardless of value.
The governing rule, either way
Karnataka calculates stamp duty on whichever is higher: your agreed price, or the government's guidance value for that locality. A lower negotiated price does not reduce your duty below that floor.
Worked example: a ₹90 lakh flat
- Stamp duty
- ₹4.5 L
- Registration
- ₹1.8 L
- Cess & surcharge
- ₹54 K
- Total
- ~₹6.84 L
Paid in cash at registration, not covered by your home loan. A Section 80C deduction is available on new residential purchases only, within the overall ₹1.5 lakh limit.
Buying or evaluating a property in Bengaluru? We'll walk you through the exact registration cost for your specific property and locality.
Talk to an advisorFAQ
Frequently Answered Questions
Still have questions? Here's what people usually ask before using this calculator.
Not covered here? Ask us on WhatsApp or call +91 99015 55100. An advisor answers, not a bot, Monday to Saturday, 9am to 8pm.