Smart EMI planning
See how extra payments can shorten your loan.
Compare regular EMI with double EMI every month, double EMI on alternate months, and your own custom prepayment plan. The tool also provides an indicative income-based eligibility estimate.
EMI calculationInterest comparisonTenure reductionCSV schedule
Calculated EMI—
Regular tenure—
Regular interest—
Double-EMI saving—
Outstanding principal comparison
Regular EMIDouble EMI monthlyDouble EMI alternate months
Repayment strategy comparison
| Strategy | Typical payment | Closure | Total interest | Interest saved |
|---|
Double EMI monthly—
Interest: —
Double EMI alternate months—
Interest saved: —
Custom extra-payment plan—
Interest saved: —
Indicative income-based eligibility
Available EMI—
Indicative eligible loan—
Assumption—
This is an indicative affordability estimate only. Actual eligibility depends on age, occupation, income stability, bureau score, obligations, property and LIC HFL policy.
Regular EMI amortisation schedule
The table shows the first 60 months. Export includes the full calculated schedule.
| Period | Opening | Payment | Interest | Principal | Closing |
|---|
Do not choose a higher payment commitment that strains emergency savings or essential expenses. Ask for a personalised assessment before applying.
Want a repayment plan for your profile?
Share the expected loan amount, income profile and comfortable monthly payment. You will receive a callback for further guidance.
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Loan amount planningEstimate EMI and affordability
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Tenure optimisationCompare prepayment patterns