Loans
Loan Prepayment Calculator
What a lump-sum prepayment or a higher EMI actually saves you.
₹40 L
₹10,000₹40,00,000₹20 Cr
18.5%36
118 years30
₹5 L
₹0₹5,00,000₹5 Cr
₹0₹0₹5 L
Interest saved
₹14,03,609
- Interest saved37%
- Interest still paid63%
- Original EMI
- ₹36,218
- New EMI
- ₹36,218
- Interest without prepayment
- ₹38,23,152
- Interest with prepayment
- ₹24,19,543
- Loan closes earlier by
- 4 yr 4 mo
What this means.A ₹5,00,000 prepayment returns ₹14,03,609 in avoided interest — an effective, risk-free return of about 8.5% a year. On floating-rate home loans, RBI bars banks from charging individuals a foreclosure penalty.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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