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Loan EMI & Savings Calculators

Calculate your monthly EMI, estimate property loan limits, and see how much you can save through prepayments or bank balance transfers.

Calculate Monthly EMI

100 CR ADVANCED ENGINE
Loan Amount Required
₹ 50 Lakh
₹
₹1 Lakh ₹50 Lakh ₹10 Crore ₹100 Crore
Quick Presets:
Interest Rate (% p.a. Reducing)
%
1.0% 8.5% 15.0% 30.0% p.a.
Benchmarks:
Loan Tenure
Yrs
1 Year 10 Years 20 Years 30 Years
Estimated Monthly EMI
₹ 49,237
Per Month Reducing Balance
Principal Amount:
₹ 50,00,000
Total Interest Payable:
₹ 38,62,654
Total Amount Payable:
₹ 88,62,654
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LIVE UNDERWRITING BREAKDOWN

Loan Repayment & Amortization Schedule

Live schedule synchronizing automatically with your selected calculation mode, amount, tenure, and interest rate.

Period Opening Balance Total Payment (EMI) Principal Repaid Interest Paid Closing Balance % Loan Paid
SPECIALIZED INSTITUTIONAL TOOLS

Other Specialized Financial Calculators

Evaluate property collateral limits, salary FOIR guidelines, foreclosure savings, balance transfer benefits, used car finance, and daily cash credit (OD) limits across 170+ banking partners.

Income vs Safe EMI (Eligibility Calculator)

Net Monthly In-Hand Income / Profit
₹
₹25,000/mo₹10,00,000/mo
Total Existing Monthly EMIs (All Current Loans)
₹
₹0₹3,00,000/mo
Expected Rate
%
Desired Tenure
Yrs
Safe EMI Limit (% of Salary)
Maximum Safe Loan Eligibility
₹ 66,24,000
✓ Healthy Debt Balance (17% of Salary)
Max Safe Monthly EMI: ₹ 57,500 /mo

Sanction compares lender policies across 170+ Banks to get you the highest approved loan limit at the lowest rate.

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Loan Against Property (LAP) Calculator

Estimated Property Market Value
₹
₹20 Lakhs₹5 Crore+
Property Type & Max Loan % (LTV)
Monthly Income (₹)
Existing EMIs (₹)
Estimated Mortgage Loan Limit
₹ 1,05,00,000
Maximum LTV Ratio: 70% LTV
Estimated 15-Yr EMI: ₹ 1,08,124 /mo

Final approval depends on bank legal title search, independent valuation, and financial FOIR headroom.

Explore Mortgage Solutions →

Calculate Prepayment Interest Savings & Tenure Cut

Current Outstanding Principal Balance
₹
Interest Rate (% p.a.)
%
Remaining Tenure (Years)
Yrs
Prepayment Strategy
Prepayment Amount (₹)
₹
Total Interest Saved
₹ 7,48,210
Tenure Reduction: 38 Months (3.2 Yrs)
Timeline Impact: Loan finishes in 11.8 yrs!

Even small annual part-prepayments dramatically reduce long-term compounding interest on reducing balance loans.

Optimize Your Debt Structure →

Loan Balance Transfer & Rate Reduction Savings

Current Outstanding Loan Balance (₹)
₹
Current Bank Rate (%)
%
New Offered Rate (%)
%
Remaining Tenure (Years)
Yrs
Net Lifetime Interest Savings
₹ 10,24,600
Monthly EMI Relief: Monthly EMI Drops by ₹ 4,743 /mo
New Monthly EMI: New EMI: ₹ 54,230 (Old: ₹ 58,973)

Sanction handles the complete end-to-end paperwork, NOC collection, and collateral transfer across 50+ partner banks.

Transfer Loan to Lowest Rate →

Used Car & Pre-Owned Vehicle Loan EMI

Car Purchase Price / Agreed Value (₹)
₹
Down Payment Paid (₹)
₹
Interest Rate (% p.a.)
%
Loan Tenure (Years)
Yrs
Estimated Monthly EMI
₹ 21,993
Net Loan Financed: ₹ 10,00,000
Total Interest Payable: ₹ 3,19,555

Finance up to 100% of vehicle valuation with same-day surveyor inspection and 24-hr express disbursal.

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Cash Credit (CC) & Overdraft (OD) Daily Interest

Total Sanctioned Credit Limit (₹)
₹
Average Daily Utilized Balance (₹)
₹
Interest Rate (% p.a. on Utilized Limit)
%
Daily Interest Incurred
₹ 634 /day
Estimated Monthly Interest: ₹ 19,021 /mo
You save ₹ 19,500/month vs a term loan by paying interest only on utilized funds!

Unlike term loans, CC/OD limits require zero fixed monthly EMI. Pay interest only on what you use for as many days as you use it.

Explore CC / OD Facilities →

Ready to Get the Lowest Interest Rate?

Get a free loan assessment across 170+ banking partners without affecting your CIBIL score.

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