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Prepayment Calculator
Compare no-prepayment against one-time, annual and EMI-step-up strategies before you decide.
₹50.00 L
8.50%
20 yrs
₹5.00 L
Month 24
₹1.00 L
5%
| Strategy | Total interest | Tenure | Interest saved | Tenure reduced |
|---|---|---|---|---|
| No prepayment | ₹54.14 L | 20 yr | — | — |
| One-time prepayment | ₹39.57 L | 16 yr 3 mo | ₹14.57 L | 3 yr 9 mo |
| Annual prepayment | ₹35.59 L | 14 yr | ₹18.55 L | 6 yr |
| EMI step-up | ₹34.62 L | 12 yr 3 mo | ₹19.52 L | 7 yr 9 mo |
All calculations, rates, eligibility values and savings estimates are indicative. Final interest rate, fees, eligibility, sanction and disbursement remain subject to the lender's policies, verification and approval.
Demo data. Lender names, logos and rates shown here are fictional and for illustration only — they are not current offers from any real bank, HFC or NBFC.
Demo data — illustrative only