HDFC Bank Home Loan EMI Calculator — FY 2026-27
Calculate your monthly EMI for an HDFC Home Loan at the latest HDFC starting rate. The reducing-balance formula is identical across banks; only the rate (and HDFC processing fee, ~0.5%) varies. Rate pre-fill tracks the HDFC 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 HDFC EMI Calculator
This HDFC EMI Calculator computes the monthly EMI, total interest, and full amortization schedule for an HDFC home loan at the current rate card (starting 8.75% p.a. for eligible salaried applicants with CIBIL 760+). It uses the same reducing-balance formula HDFC’s official per-lakh EMI table publishes, so the output matches your sanction letter to the rupee.
HDFC Bank offers EMI calculator variants across loan products — pick the one that matches your use case:
- Currently viewing — 30-year tenure, 8.75% floor, 24-48h sanction via Insta
- personal loan rates at HDFC — Insta Personal Loan, 6-year tenure, 10.75% floor for pre-approved customers
- HDFC car loan calculator — 7-year tenure, 8.75% floor, 30-minute Xpress sanction for existing customers
For the generic EMI math, see the general EMI Calculator. For the full lifetime-cost view, use the Home Loan Total Cost Calculator.
HDFC Bank Home Loan EMI Calculator — FAQ
What is the current HDFC home loan interest rate?
HDFC publishes a CIBIL- and amount-tiered rate on its website under Home Loan Interest Rates. Salaried applicants with CIBIL 750+ typically see rates starting from 8.75% p.a. (FY 2026-27 — verify on hdfcbank.com before signing).
How is HDFC home loan EMI calculated?
Standard reducing-balance formula: EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is principal, r is monthly rate (annual ÷ 12 ÷ 100), n is tenure in months. Identical across all Indian banks — only the rate you qualify for differs.
What are HDFC home loan processing fees?
Typically 0.5% of loan amount + GST, capped at ₹3,000 for under-construction salaried profiles, higher for self-employed. HDFC sometimes waives this during festive offers. Confirm on the sanction letter before signing.
Can I prepay my HDFC home loan?
Yes, free of charge for floating-rate loans (RBI mandate for individual borrowers). HDFC Plus / hybrid products may carry a 2% prepayment penalty during the fixed-rate phase — check your loan agreement.