Axis Bank Home Loan EMI Calculator — FY 2026-27
Calculate your monthly EMI for an Axis Bank Home Loan at the latest Axis starting rate. Axis prices off the Repo Linked Lending Rate (RLLR) plus a credit-score spread. Rate pre-fill tracks the Axis card rate as of 16 April 2026.
Starting rate: 8.75% p.a.Last updated: Editorial
Loan inputs
- Monthly EMI
- ₹44,186
- Principal
- ₹50.00 L
- Total Interest
- ₹56.05 L
- Total Payment
- ₹1.06 Cr
Principal vs Interest
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Year 1 | ₹5,30,226 | ₹96,537 | ₹4,33,689 | ₹49,03,463 |
| Year 2 | ₹5,30,226 | ₹1,05,331 | ₹4,24,895 | ₹47,98,132 |
| Year 3 | ₹5,30,226 | ₹1,14,926 | ₹4,15,300 | ₹46,83,205 |
| Year 4 | ₹5,30,226 | ₹1,25,396 | ₹4,04,831 | ₹45,57,810 |
| Year 5 | ₹5,30,226 | ₹1,36,819 | ₹3,93,408 | ₹44,20,991 |
| Year 6 | ₹5,30,226 | ₹1,49,282 | ₹3,80,944 | ₹42,71,709 |
| Year 7 | ₹5,30,226 | ₹1,62,881 | ₹3,67,345 | ₹41,08,827 |
| Year 8 | ₹5,30,226 | ₹1,77,719 | ₹3,52,507 | ₹39,31,108 |
| Year 9 | ₹5,30,226 | ₹1,93,909 | ₹3,36,318 | ₹37,37,200 |
| Year 10 | ₹5,30,226 | ₹2,11,573 | ₹3,18,654 | ₹35,25,627 |
| Year 11 | ₹5,30,226 | ₹2,30,846 | ₹2,99,380 | ₹32,94,781 |
| Year 12 | ₹5,30,226 | ₹2,51,875 | ₹2,78,351 | ₹30,42,905 |
| Year 13 | ₹5,30,226 | ₹2,74,820 | ₹2,55,406 | ₹27,68,085 |
| Year 14 | ₹5,30,226 | ₹2,99,855 | ₹2,30,371 | ₹24,68,230 |
| Year 15 | ₹5,30,226 | ₹3,27,171 | ₹2,03,056 | ₹21,41,059 |
| Year 16 | ₹5,30,226 | ₹3,56,975 | ₹1,73,252 | ₹17,84,085 |
| Year 17 | ₹5,30,226 | ₹3,89,493 | ₹1,40,733 | ₹13,94,591 |
| Year 18 | ₹5,30,226 | ₹4,24,975 | ₹1,05,252 | ₹9,69,616 |
| Year 19 | ₹5,30,226 | ₹4,63,688 | ₹66,538 | ₹5,05,928 |
| Year 20 | ₹5,30,226 | ₹5,05,928 | ₹24,298 | ₹0 |
About this Axis EMI Calculator
This Axis EMI Calculator computes the monthly EMI, total interest, and full amortization schedule for an Axis Bank home loan at the current rate card (starting 8.75% p.a. for CIBIL 760+ salaried). It uses the same reducing-balance formula Axis Bank’s official per-lakh EMI table publishes, so the output matches your sanction letter to the rupee.
Axis Bank offers EMI calculator variants across loan products — pick the one that matches your use case:
- Currently viewing — 30-year tenure, 8.75% floor, Asha affordable-housing variant bundles PMAY-CLSS subsidy
- personal loan rates at Axis — 24×7 4-second disbursal for pre-approved, 10.49% floor for Burgundy Private
For the generic EMI math, see the general EMI Calculator. For the full lifetime-cost view, use the Home Loan Total Cost Calculator.
Axis Bank Home Loan EMI Calculator — FAQ
What is the current Axis Bank home loan interest rate?
Axis publishes a tiered rate based on CIBIL score and loan amount. Rates typically start from 8.75% p.a. for top-tier salaried applicants (FY 2026-27 — confirm on axisbank.com).
How is Axis Bank home loan EMI calculated?
Standard reducing-balance EMI formula: EMI = P × r × (1+r)^n / ((1+r)^n − 1). Identical math across Indian banks — only your rate differs.
What is the Axis home loan processing fee?
Typically up to 1% of the loan amount + GST, with a minimum of ₹10,000 and a maximum that varies by segment. Axis sometimes waives or reduces this for pre-approved customers and salary-account holders.
Does Axis Bank charge for foreclosure?
No charges on floating-rate home loans for individual borrowers (RBI rule). For Axis Asha Home Loan and certain hybrid products with a fixed-rate component, a 2% penalty may apply on the fixed portion — check your sanction letter.