Loan Prepayment Calculator

See how paying a little extra shrinks your interest and your loan term.

Loan amount₹80.00 L

Interest rate8.5% p.a.

Original tenure20 yrs

Extra every month₹5,000/mo

One-time lump sum₹5.00 L

Lump sum paid after2 yrs

Interest saved

₹26.94 L

Time saved

4 yrs 11 mo

WithoutWith prepay

Payoff time20 yrs15 yrs 1 mo

Total interest₹86.62 L₹59.68 L

Base EMI₹69,426/mo

You'd pay₹74,426/mo

Back to the EMI calculator

Assumes a fixed rate and that prepayments reduce your tenure (keeping the EMI the same). Many lenders allow penalty-free part-payment on floating-rate home loans — confirm your loan's terms before you plan around it.