Loan against property EMI calculator
The amount of loan given largely depends on the market value of the property, the income of the borrower, his or her credit worthiness, and existing obligations.
Maximum loan amount: ₹7,50,00,000
Lenders' published rates for Loan Against Property: 8.00%–22.08% p.a..
Maximum tenure: 15 years (180 months)
Monthly EMI
₹36,398
Total interest
₹13,67,793
Total payment
₹43,67,793
Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.
Principal vs. interest
- Principal 68.7%
- Interest 31.3%
Principal & interest paid per year
Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.
Full breakdown, starting this month
Assumes your first EMI falls this month — click a period to see every month within it.
Nov 2026 – Oct 2027 Principal paid₹2,04,157 Interest paid₹2,32,622 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2026 | ₹16,398 | ₹20,000 | ₹36,398 | ₹29,83,602 |
| Dec 2026 | ₹16,508 | ₹19,891 | ₹36,398 | ₹29,67,094 |
| Jan 2027 | ₹16,618 | ₹19,781 | ₹36,398 | ₹29,50,476 |
| Feb 2027 | ₹16,728 | ₹19,670 | ₹36,398 | ₹29,33,748 |
| Mar 2027 | ₹16,840 | ₹19,558 | ₹36,398 | ₹29,16,908 |
| Apr 2027 | ₹16,952 | ₹19,446 | ₹36,398 | ₹28,99,956 |
| May 2027 | ₹17,065 | ₹19,333 | ₹36,398 | ₹28,82,891 |
| Jun 2027 | ₹17,179 | ₹19,219 | ₹36,398 | ₹28,65,712 |
| Jul 2027 | ₹17,294 | ₹19,105 | ₹36,398 | ₹28,48,418 |
| Aug 2027 | ₹17,409 | ₹18,989 | ₹36,398 | ₹28,31,009 |
| Sep 2027 | ₹17,525 | ₹18,873 | ₹36,398 | ₹28,13,484 |
| Oct 2027 | ₹17,642 | ₹18,757 | ₹36,398 | ₹27,95,843 |
Nov 2027 – Oct 2028 Principal paid₹2,21,102 Interest paid₹2,15,677 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2027 | ₹17,759 | ₹18,639 | ₹36,398 | ₹27,78,083 |
| Dec 2027 | ₹17,878 | ₹18,521 | ₹36,398 | ₹27,60,206 |
| Jan 2028 | ₹17,997 | ₹18,401 | ₹36,398 | ₹27,42,209 |
| Feb 2028 | ₹18,117 | ₹18,281 | ₹36,398 | ₹27,24,092 |
| Mar 2028 | ₹18,238 | ₹18,161 | ₹36,398 | ₹27,05,854 |
| Apr 2028 | ₹18,359 | ₹18,039 | ₹36,398 | ₹26,87,495 |
| May 2028 | ₹18,482 | ₹17,917 | ₹36,398 | ₹26,69,013 |
| Jun 2028 | ₹18,605 | ₹17,793 | ₹36,398 | ₹26,50,408 |
| Jul 2028 | ₹18,729 | ₹17,669 | ₹36,398 | ₹26,31,679 |
| Aug 2028 | ₹18,854 | ₹17,545 | ₹36,398 | ₹26,12,826 |
| Sep 2028 | ₹18,979 | ₹17,419 | ₹36,398 | ₹25,93,846 |
| Oct 2028 | ₹19,106 | ₹17,292 | ₹36,398 | ₹25,74,740 |
Nov 2028 – Oct 2029 Principal paid₹2,39,454 Interest paid₹1,97,326 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2028 | ₹19,233 | ₹17,165 | ₹36,398 | ₹25,55,507 |
| Dec 2028 | ₹19,362 | ₹17,037 | ₹36,398 | ₹25,36,145 |
| Jan 2029 | ₹19,491 | ₹16,908 | ₹36,398 | ₹25,16,655 |
| Feb 2029 | ₹19,621 | ₹16,778 | ₹36,398 | ₹24,97,034 |
| Mar 2029 | ₹19,751 | ₹16,647 | ₹36,398 | ₹24,77,283 |
| Apr 2029 | ₹19,883 | ₹16,515 | ₹36,398 | ₹24,57,400 |
| May 2029 | ₹20,016 | ₹16,383 | ₹36,398 | ₹24,37,384 |
| Jun 2029 | ₹20,149 | ₹16,249 | ₹36,398 | ₹24,17,235 |
| Jul 2029 | ₹20,283 | ₹16,115 | ₹36,398 | ₹23,96,952 |
| Aug 2029 | ₹20,419 | ₹15,980 | ₹36,398 | ₹23,76,533 |
| Sep 2029 | ₹20,555 | ₹15,844 | ₹36,398 | ₹23,55,978 |
| Oct 2029 | ₹20,692 | ₹15,707 | ₹36,398 | ₹23,35,287 |
Nov 2029 – Oct 2030 Principal paid₹2,59,328 Interest paid₹1,77,451 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2029 | ₹20,830 | ₹15,569 | ₹36,398 | ₹23,14,457 |
| Dec 2029 | ₹20,969 | ₹15,430 | ₹36,398 | ₹22,93,488 |
| Jan 2030 | ₹21,108 | ₹15,290 | ₹36,398 | ₹22,72,380 |
| Feb 2030 | ₹21,249 | ₹15,149 | ₹36,398 | ₹22,51,131 |
| Mar 2030 | ₹21,391 | ₹15,008 | ₹36,398 | ₹22,29,740 |
| Apr 2030 | ₹21,533 | ₹14,865 | ₹36,398 | ₹22,08,207 |
| May 2030 | ₹21,677 | ₹14,721 | ₹36,398 | ₹21,86,530 |
| Jun 2030 | ₹21,821 | ₹14,577 | ₹36,398 | ₹21,64,708 |
| Jul 2030 | ₹21,967 | ₹14,431 | ₹36,398 | ₹21,42,742 |
| Aug 2030 | ₹22,113 | ₹14,285 | ₹36,398 | ₹21,20,628 |
| Sep 2030 | ₹22,261 | ₹14,138 | ₹36,398 | ₹20,98,367 |
| Oct 2030 | ₹22,409 | ₹13,989 | ₹36,398 | ₹20,75,958 |
Nov 2030 – Oct 2031 Principal paid₹2,80,852 Interest paid₹1,55,927 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2030 | ₹22,559 | ₹13,840 | ₹36,398 | ₹20,53,400 |
| Dec 2030 | ₹22,709 | ₹13,689 | ₹36,398 | ₹20,30,691 |
| Jan 2031 | ₹22,860 | ₹13,538 | ₹36,398 | ₹20,07,830 |
| Feb 2031 | ₹23,013 | ₹13,386 | ₹36,398 | ₹19,84,818 |
| Mar 2031 | ₹23,166 | ₹13,232 | ₹36,398 | ₹19,61,652 |
| Apr 2031 | ₹23,321 | ₹13,078 | ₹36,398 | ₹19,38,331 |
| May 2031 | ₹23,476 | ₹12,922 | ₹36,398 | ₹19,14,855 |
| Jun 2031 | ₹23,633 | ₹12,766 | ₹36,398 | ₹18,91,222 |
| Jul 2031 | ₹23,790 | ₹12,608 | ₹36,398 | ₹18,67,432 |
| Aug 2031 | ₹23,949 | ₹12,450 | ₹36,398 | ₹18,43,483 |
| Sep 2031 | ₹24,108 | ₹12,290 | ₹36,398 | ₹18,19,375 |
| Oct 2031 | ₹24,269 | ₹12,129 | ₹36,398 | ₹17,95,106 |
Nov 2031 – Oct 2032 Principal paid₹3,04,163 Interest paid₹1,32,616 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2031 | ₹24,431 | ₹11,967 | ₹36,398 | ₹17,70,675 |
| Dec 2031 | ₹24,594 | ₹11,805 | ₹36,398 | ₹17,46,081 |
| Jan 2032 | ₹24,758 | ₹11,641 | ₹36,398 | ₹17,21,324 |
| Feb 2032 | ₹24,923 | ₹11,475 | ₹36,398 | ₹16,96,401 |
| Mar 2032 | ₹25,089 | ₹11,309 | ₹36,398 | ₹16,71,312 |
| Apr 2032 | ₹25,256 | ₹11,142 | ₹36,398 | ₹16,46,056 |
| May 2032 | ₹25,425 | ₹10,974 | ₹36,398 | ₹16,20,631 |
| Jun 2032 | ₹25,594 | ₹10,804 | ₹36,398 | ₹15,95,037 |
| Jul 2032 | ₹25,765 | ₹10,634 | ₹36,398 | ₹15,69,272 |
| Aug 2032 | ₹25,936 | ₹10,462 | ₹36,398 | ₹15,43,336 |
| Sep 2032 | ₹26,109 | ₹10,289 | ₹36,398 | ₹15,17,226 |
| Oct 2032 | ₹26,283 | ₹10,115 | ₹36,398 | ₹14,90,943 |
Nov 2032 – Oct 2033 Principal paid₹3,29,408 Interest paid₹1,07,371 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2032 | ₹26,459 | ₹9,940 | ₹36,398 | ₹14,64,484 |
| Dec 2032 | ₹26,635 | ₹9,763 | ₹36,398 | ₹14,37,849 |
| Jan 2033 | ₹26,813 | ₹9,586 | ₹36,398 | ₹14,11,037 |
| Feb 2033 | ₹26,991 | ₹9,407 | ₹36,398 | ₹13,84,045 |
| Mar 2033 | ₹27,171 | ₹9,227 | ₹36,398 | ₹13,56,874 |
| Apr 2033 | ₹27,352 | ₹9,046 | ₹36,398 | ₹13,29,521 |
| May 2033 | ₹27,535 | ₹8,863 | ₹36,398 | ₹13,01,987 |
| Jun 2033 | ₹27,718 | ₹8,680 | ₹36,398 | ₹12,74,268 |
| Jul 2033 | ₹27,903 | ₹8,495 | ₹36,398 | ₹12,46,365 |
| Aug 2033 | ₹28,089 | ₹8,309 | ₹36,398 | ₹12,18,276 |
| Sep 2033 | ₹28,276 | ₹8,122 | ₹36,398 | ₹11,90,000 |
| Oct 2033 | ₹28,465 | ₹7,933 | ₹36,398 | ₹11,61,535 |
Nov 2033 – Oct 2034 Principal paid₹3,56,749 Interest paid₹80,030 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2033 | ₹28,655 | ₹7,744 | ₹36,398 | ₹11,32,880 |
| Dec 2033 | ₹28,846 | ₹7,553 | ₹36,398 | ₹11,04,034 |
| Jan 2034 | ₹29,038 | ₹7,360 | ₹36,398 | ₹10,74,996 |
| Feb 2034 | ₹29,232 | ₹7,167 | ₹36,398 | ₹10,45,764 |
| Mar 2034 | ₹29,427 | ₹6,972 | ₹36,398 | ₹10,16,338 |
| Apr 2034 | ₹29,623 | ₹6,776 | ₹36,398 | ₹9,86,715 |
| May 2034 | ₹29,820 | ₹6,578 | ₹36,398 | ₹9,56,895 |
| Jun 2034 | ₹30,019 | ₹6,379 | ₹36,398 | ₹9,26,876 |
| Jul 2034 | ₹30,219 | ₹6,179 | ₹36,398 | ₹8,96,657 |
| Aug 2034 | ₹30,421 | ₹5,978 | ₹36,398 | ₹8,66,236 |
| Sep 2034 | ₹30,623 | ₹5,775 | ₹36,398 | ₹8,35,613 |
| Oct 2034 | ₹30,828 | ₹5,571 | ₹36,398 | ₹8,04,785 |
Nov 2034 – Oct 2035 Principal paid₹3,86,359 Interest paid₹50,420 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2034 | ₹31,033 | ₹5,365 | ₹36,398 | ₹7,73,752 |
| Dec 2034 | ₹31,240 | ₹5,158 | ₹36,398 | ₹7,42,513 |
| Jan 2035 | ₹31,448 | ₹4,950 | ₹36,398 | ₹7,11,064 |
| Feb 2035 | ₹31,658 | ₹4,740 | ₹36,398 | ₹6,79,406 |
| Mar 2035 | ₹31,869 | ₹4,529 | ₹36,398 | ₹6,47,538 |
| Apr 2035 | ₹32,081 | ₹4,317 | ₹36,398 | ₹6,15,456 |
| May 2035 | ₹32,295 | ₹4,103 | ₹36,398 | ₹5,83,161 |
| Jun 2035 | ₹32,511 | ₹3,888 | ₹36,398 | ₹5,50,650 |
| Jul 2035 | ₹32,727 | ₹3,671 | ₹36,398 | ₹5,17,923 |
| Aug 2035 | ₹32,945 | ₹3,453 | ₹36,398 | ₹4,84,978 |
| Sep 2035 | ₹33,165 | ₹3,233 | ₹36,398 | ₹4,51,813 |
| Oct 2035 | ₹33,386 | ₹3,012 | ₹36,398 | ₹4,18,426 |
Nov 2035 – Oct 2036 Principal paid₹4,18,426 Interest paid₹18,353 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2035 | ₹33,609 | ₹2,790 | ₹36,398 | ₹3,84,818 |
| Dec 2035 | ₹33,833 | ₹2,565 | ₹36,398 | ₹3,50,985 |
| Jan 2036 | ₹34,058 | ₹2,340 | ₹36,398 | ₹3,16,926 |
| Feb 2036 | ₹34,285 | ₹2,113 | ₹36,398 | ₹2,82,641 |
| Mar 2036 | ₹34,514 | ₹1,884 | ₹36,398 | ₹2,48,127 |
| Apr 2036 | ₹34,744 | ₹1,654 | ₹36,398 | ₹2,13,383 |
| May 2036 | ₹34,976 | ₹1,423 | ₹36,398 | ₹1,78,407 |
| Jun 2036 | ₹35,209 | ₹1,189 | ₹36,398 | ₹1,43,198 |
| Jul 2036 | ₹35,444 | ₹955 | ₹36,398 | ₹1,07,755 |
| Aug 2036 | ₹35,680 | ₹718 | ₹36,398 | ₹72,075 |
| Sep 2036 | ₹35,918 | ₹481 | ₹36,398 | ₹36,157 |
| Oct 2036 | ₹36,157 | ₹241 | ₹36,398 | ₹0 |
About the Loan Against Property
The Loan Against Property (LAP) refers to a secured loan option where the owner of property borrows money from the bank against the mortgage of a residential, commercial, or any other form of eligible property as collateral. Any borrower can use the loan amount for many different purposes, such as building or expanding business, pursuing education, covering medical expenses, consolidating debts, etc.
The amount of loan given largely depends on the market value of the property, the income of the borrower, his or her credit worthiness, and existing obligations.
Find your ideal Tenure
Pick 3 tenures to compare — same ₹30,00,000 at 8.00% each time.
| Tenure | EMI | Total interest |
|---|---|---|
| ₹60,829 | ₹6,49,751 | |
| ₹36,398 | ₹13,67,793 | |
| ₹28,670 | ₹21,60,521 |
Compare Rates & Savings
Pick 3 rates to compare — same ₹30,00,000 over 10 years each time.
| Rate | EMI | Total interest |
|---|---|---|
| ₹36,398 | ₹13,67,793 | |
| ₹48,400 | ₹28,08,058 | |
| ₹62,173 | ₹44,60,706 |
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