Repo Rate Home Loan EMI Impact Calculator
Estimate how a home loan rate increase or decrease changes your EMI or remaining tenure.
Starting values are illustrative. No live repo rate is fetched.
Current home loan details
Interest rate change
25 bps = 0.25 percentage points. Assumes the same change in your loan rate, with an unchanged spread. Enter your bank’s revised rate if it differs.
Revised loan rate: 8.25%
Your current repayment estimate
₹41,773 / month
204 months remaining · ₹40,21,722 remaining interest
Current EMI is estimated from your balance, rate and tenure; it may differ from your bank’s EMI.
Keep tenure unchanged
Compare monthly payments at the same remaining tenure.
| Loan details | Before | After |
|---|---|---|
| Interest rate | 8.50% | 8.25% |
| Monthly EMI | ₹41,773 | ₹41,095 |
| Remaining tenure | 204 months | 204 months |
| Remaining interest | ₹40,21,722 | ₹38,83,306 |
| Total repayment | ₹85,21,722 | ₹83,83,306 |
EMI decreases by ₹679 / month
₹1,38,415 interest saved over the remaining loan.
Keep EMI unchanged
Compare repayment periods at the same regular EMI.
| Loan details | Before | After |
|---|---|---|
| Interest rate | 8.50% | 8.25% |
| Monthly EMI | ₹41,773 | ₹41,773 |
| Remaining tenure | 204 months | 197 months |
| Remaining interest | ₹40,21,722 | ₹37,27,316 |
| Total repayment | ₹85,21,722 | ₹82,27,316 |
Tenure decreases by 7 months
₹2,94,406 interest saved over the remaining loan.
Repayment Schedule
Yearly amortization schedule. Click any year to view monthly installment details.
| Year | Opening Balance | Principal Paid | Interest Paid | Total Payment | Closing Balance | |
|---|---|---|---|---|---|---|
| Year 1 | ₹45,00,000 | ₹1,26,602 | ₹3,66,534 | ₹4,93,136 | ₹43,73,398 | |
| Year 2 | ₹43,73,398 | ₹1,37,451 | ₹3,55,685 | ₹4,93,136 | ₹42,35,948 | |
| Year 3 | ₹42,35,948 | ₹1,49,229 | ₹3,43,907 | ₹4,93,136 | ₹40,86,719 | |
| Year 4 | ₹40,86,719 | ₹1,62,017 | ₹3,31,119 | ₹4,93,136 | ₹39,24,702 | |
| Year 5 | ₹39,24,702 | ₹1,75,900 | ₹3,17,235 | ₹4,93,136 | ₹37,48,802 | |
| Year 6 | ₹37,48,802 | ₹1,90,974 | ₹3,02,162 | ₹4,93,136 | ₹35,57,828 | |
| Year 7 | ₹35,57,828 | ₹2,07,338 | ₹2,85,797 | ₹4,93,136 | ₹33,50,490 | |
| Year 8 | ₹33,50,490 | ₹2,25,106 | ₹2,68,030 | ₹4,93,136 | ₹31,25,384 | |
| Year 9 | ₹31,25,384 | ₹2,44,396 | ₹2,48,740 | ₹4,93,136 | ₹28,80,989 | |
| Year 10 | ₹28,80,989 | ₹2,65,338 | ₹2,27,797 | ₹4,93,136 | ₹26,15,650 | |
| Year 11 | ₹26,15,650 | ₹2,88,076 | ₹2,05,060 | ₹4,93,136 | ₹23,27,575 | |
| Year 12 | ₹23,27,575 | ₹3,12,761 | ₹1,80,374 | ₹4,93,136 | ₹20,14,813 | |
| Year 13 | ₹20,14,813 | ₹3,39,563 | ₹1,53,573 | ₹4,93,136 | ₹16,75,251 | |
| Year 14 | ₹16,75,251 | ₹3,68,661 | ₹1,24,475 | ₹4,93,136 | ₹13,06,590 | |
| Year 15 | ₹13,06,590 | ₹4,00,252 | ₹92,884 | ₹4,93,136 | ₹9,06,338 | |
| Year 16 | ₹9,06,338 | ₹4,34,550 | ₹58,585 | ₹4,93,136 | ₹4,71,788 | |
| Year 17 | ₹4,71,788 | ₹4,71,788 | ₹21,348 | ₹4,93,136 | ₹0 |
How repo rate changes affect home loans
For floating-rate loans, the applicable benchmark, spread and reset terms determine how and when a rate change reaches your loan. This calculator models a rate reset now, followed by a constant revised rate. It does not predict your bank’s actions.
Calculation method
EMI = P × r / (1 − (1 + r)^−n), where P is the outstanding principal, r is the annual rate divided by 1,200 and n is the remaining monthly payments. At 0%, EMI = P / n. To keep EMI unchanged, interest and principal are recalculated monthly until payoff, including a smaller final instalment.
Assumes regular end-of-month payments, no additional prepayments and no fees or insurance. A partial final repayment month counts as a full month. Calculations retain precision internally; displayed amounts are rounded to rupees. Lender rounding, age limits and maximum tenure may differ.
RBI FAQs on floating interest rate resetsEstimates Disclaimer
Illustrative estimates for planning, not financial advice. Confirm the effective revised rate, reset date, permitted EMI and tenure with your lender.