होमआर्थिक टूल्सकर्जाची आगाऊ परतफेड कॅल्क्युलेटर

कर्जाची आगाऊ परतफेड कॅल्क्युलेटर

कर्जाची आगाऊ परतफेड केल्यावर ईएमआय कमी करणे आणि मुदत कमी करणे यांची तुलना करा आणि वाचणारे व्याज पाहा

₹३० लाख
₹
आजच्या दिवशी फेडायचे उरलेले मुद्दल (आपले कर्ज स्टेटमेंट पाहा).
%
उरलेल्या मुदतीचे एकक
वर्षे
₹५ लाख
₹
₹
पुढच्या महिन्यापासून ईएमआयशिवाय जास्तीची भरली जाणारी रक्कम. फक्त एकरकमी आगाऊ परतफेड करणार असल्यास 0 ठेवा.
आपले वाचणारे व्याज
₹१५,४३,४१४
पंधरा लाख त्रेचाळीस हजार चारशे चौदा रुपये
ईएमआय तोच ठेवून मुदत कमी केल्यास
सध्याचा ईएमआय
₹२६,०३५/ महिना
आगाऊ परतफेडीशिवाय व्याज
₹३२,४८,३२६
ईएमआय तोच: कर्ज फिटण्याची मुदत
१३ वर्षे ६ महिने
२० वर्षे ऐवजी
ईएमआय तोच: वाचलेले व्याज
₹१५,४३,४१४
मुदत तीच: नवा ईएमआय
₹२१,६९६/ महिना
दरमहा ₹४,३३९ कमी
मुदत तीच: वाचलेले व्याज
₹५,४१,३८६
ईएमआय कमी करण्याऐवजी तोच ठेवल्यास ₹१०,०२,०२८ जास्त व्याज वाचते आणि कर्ज ६ वर्षे ६ महिने आधी फिटते. त्याऐवजी ईएमआय कमी केल्यास आपल्या मासिक बजेटवरचा भार ₹४,३३९ इतका हलका होतो.
RBI च्या नियमांनुसार, व्यक्तींनी व्यवसायाव्यतिरिक्त कामासाठी घेतलेल्या फ्लोटिंग दराच्या कर्जावर बँका आणि NBFC आगाऊ परतफेडीचा दंड आकारू शकत नाहीत. स्थिर दराच्या कर्जावर शुल्क लागू शकते, त्यामुळे आपला कर्ज करार तपासा.
कालानुसार कर्जाची शिल्लक
तपशीलआगाऊ परतफेड नाहीईएमआय तोचमुदत तीच
मासिक ईएमआय₹२६,०३५₹२६,०३५₹२१,६९६
दरमहा अतिरिक्त₹०₹०₹०
कर्ज फिटण्याची मुदत२० वर्षे१३ वर्षे ६ महिने२० वर्षे
एकूण व्याज₹३२,४८,३२६₹१७,०४,९१२₹२७,०६,९४०
वाचलेले व्याज₹०₹१५,४३,४१४₹५,४१,३८६
एकूण भरलेली रक्कम (आगाऊ परतफेडीसह)₹६२,४८,३२६₹४७,०४,९१२₹५७,०६,९४०

हे पूर्णपणे आपल्या ब्राउझरमध्ये चालते. आपण टाइप किंवा अपलोड केलेले काहीही आम्हाला पाठवले जात नाही किंवा साठवले जात नाही.

हे निकाल अंदाजे आहेत, आर्थिक सल्ला नाही. दर, शुल्क आणि नियम बदलत असतात, त्यामुळे निर्णय घेण्यापूर्वी आपली बँक, पोस्ट ऑफिस किंवा आर्थिक सल्लागाराकडून खात्री करून घ्या. वापराच्या अटी

भाषांतर तयार होईपर्यंत खालील मार्गदर्शक इंग्रजीत आहे.

कसे वापरावे

  1. थकित कर्ज (अजून फेडायचे उरलेले मुद्दल, आपल्या ताज्या कर्ज स्टेटमेंटमध्ये पाहा), व्याजदर (वार्षिक) आणि उरलेली मुदत वर्षांत किंवा महिन्यांत भरा.
  2. आपण करणार असलेली एकरकमी आगाऊ परतफेड (आता) भरा. ही रक्कम बोनस, एखाद्या एफडीची मुदतपूर्ती रक्कम किंवा बचत असू शकते.
  3. दरमहा ईएमआयव्यतिरिक्त आणखी काही भरू शकत असल्यास ती रक्कम दरमहा अतिरिक्त परतफेड (ऐच्छिक) या रकान्यात भरा. हा रकाना रिकामा ठेवला तरी चालेल.
  4. आपण टाइप करताच निकाल बदलतात. वाचलेले व्याज, नवी मुदत आणि नवा ईएमआय यांच्या आधारे ईएमआय तोच (कर्ज लवकर फिटते) आणि मुदत तीच (ईएमआय कमी होतो) यांची तुलना करा.
  5. कालानुसार कर्जाची शिल्लक हा आलेख आणि शेजारी शेजारी तुलना हा तक्ता प्रत्येक पर्यायात एकूण व्याज आणि एकूण भरलेली रक्कम दाखवतात. निकाल जपून ठेवण्यासाठी किंवा कोणाला पाठवण्यासाठी शेअर करा हे बटण वापरा.

What does a loan prepayment do?

A prepayment (or part-payment) is money you pay towards your loan over and above the regular EMI. All of it goes to cut the principal. Interest on a home, car or personal loan is charged each month on the outstanding principal, so a smaller principal means less interest every month for the rest of the loan. Prepayments in the early years save the most, because that's when the balance is highest and so is the interest on it. This loan prepayment calculator shows how much you save.

After you prepay, your lender will usually ask which of two things you want:

  • Keep the EMI, reduce the tenure. You keep paying the same EMI, so the loan closes earlier.
  • Keep the tenure, reduce the EMI. The loan ends on the original date, but each EMI is smaller.

The calculator works out both side by side, so you can see the trade-off in rupees.

How the calculation works

EMI = P × r × (1 + r)n / [(1 + r)n − 1]
r = annual rate ÷ 12 ÷ 100, n = months left
Each month: interest = balance × r; principal repaid = EMI − interest

The prepayment comes off the balance today. For "keep EMI", the old EMI is paid on the smaller balance until it reaches zero. For "keep tenure", a new EMI is worked out on the smaller balance for the same number of months left. Any extra monthly amount is added to the EMI in both cases. Interest saved is the interest on the original schedule minus the interest on the new one.

Worked example

You owe ₹30,00,000 at 8.5% with 20 years left. Your EMI is ₹26,035 and you'd pay about ₹32.48 lakh in interest over the loan. You get a bonus and prepay ₹5,00,000.

Keep EMIKeep tenure
Monthly EMI₹26,035₹21,696
Loan ends in13 yr 6 mo20 yr
Interest saved₹15,43,414₹5,41,386

Keeping the EMI saves nearly three times as much interest, and you're free of the loan six and a half years early. Lowering the EMI saves less, but it leaves ₹4,339 more in your hands each month. That can matter if your income isn't steady.

Which option should you choose?

  • Choose "keep EMI" if the current EMI is comfortable. It always saves more interest.
  • Choose "keep tenure" if cash is tight, or if you want to put the EMI saving towards other goals.
  • Build an emergency fund first. Money paid into a loan is hard to get back. Don't prepay with the money you'd need for a job loss or a hospital bill.
  • Compare with investing. Prepaying saves interest at your loan rate, with no risk. If you expect to earn clearly more than that after tax somewhere else, investing may work out better, but those returns aren't guaranteed.
  • Mind the tax angle. Under the old tax regime, home loan interest on a self-occupied house can be deducted (up to ₹2 lakh a year). Prepaying shrinks that deduction a little, so your real saving is slightly lower if you claim it. The new tax regime doesn't give this deduction for a self-occupied home.

Prepayment charges

RBI rules bar banks and NBFCs from charging prepayment or foreclosure penalties on floating-rate loans taken by individuals for non-business purposes. Most home loans fall in this group. The RBI (Pre-payment Charges on Loans) Directions, 2025 extend this to more loans sanctioned or renewed from 1 January 2026. Fixed-rate loans can still carry a charge, and it must be shown in your sanction letter and Key Facts Statement. After a part-payment, ask your lender to confirm in writing which option (lower EMI or shorter tenure) it has applied.

नेहमी विचारले जाणारे प्रश्न

Reducing the tenure usually wins. Keeping the same EMI always saves more interest, often two to three times as much, and closes the loan years earlier. Reducing the EMI helps when you need more room in your monthly budget. This calculator shows the rupee difference between the two for your loan.

Not on floating-rate loans to individuals for non-business purposes. RBI rules bar prepayment and foreclosure charges on them, and the RBI (Pre-payment Charges on Loans) Directions, 2025 extend the relief to more loans sanctioned or renewed from 1 January 2026. Fixed-rate loans may carry a charge, which must be shown in your loan agreement and Key Facts Statement.

As early as you can. In the early years most of each EMI is interest because the balance is high, so every rupee of principal you clear early stops interest for the longest time. A prepayment in year 2 of a 20-year loan saves far more than the same amount in year 15.

It depends on the return you expect. Prepaying gives a guaranteed return equal to your loan rate. Equity may earn more over long periods, but there's no guarantee. Many people do both: keep an emergency fund, invest for long-term goals, and use bonuses to prepay. If you claim the home loan interest deduction under the old tax regime, your effective loan rate is a little lower.

There's no fixed rule. Even small regular prepayments help. Try entering an extra amount every month in this calculator to see how many years it cuts off. Also check whether your lender has a minimum part-payment amount and how often it allows part-payments.