Advanced Home Loan EMI Calculator
Simulate your home loan, LAP, and business loan interest rates, tenure, and repayments. Compare live bank rates (SBI, HDFC, PNB) and export your exact year-by-year amortization schedule.
Smart EMI Calculator
Loan: ₹35.0L • Rate: 7.15% • Term: 20 Yrs
Compare Leading Bank Interest Rates & EMIs (2026)
Simulate ₹35.0L over 20 Yrs across India's top lending institutions.
| Bank / Institution | Interest Rate | Est. Monthly EMI | Total Interest | Action |
|---|---|---|---|---|
| State Bank of India (SBI) | 8.40% | ₹30,153 | ₹37,36,720 | |
| HDFC Bank Home Loan | 8.50% | ₹30,374 | ₹37,89,760 | |
| Punjab National Bank (PNB) | 8.45% | ₹30,263 | ₹37,63,120 | |
| Bank of Baroda (BoB) | 8.40% | ₹30,153 | ₹37,36,720 | |
| ICICI Bank Home Loan | 8.75% | ₹30,930 | ₹39,23,200 | |
| BFS Special Partner PoolBEST OFFER | 7.15% | ₹27,451 | ₹30,88,240 |
Why Calculate Your Loan with Bhardwaj Financial Services (BFS)?
Agra's premier financial consultancy with 50+ institutional bank tie-ups & doorstep advisory across Uttar Pradesh & India.
Bank-standard reducing balance formula strictly aligned with RBI and nationalized bank underwriting benchmarks.
Whether you need a ₹15 Lakh home loan or a ₹50 Crore commercial industrial property loan, our underwriting desk has zero upper cap.
Compare current offers from SBI, HDFC, ICICI, PNB, and Bank of Baroda with BFS special partner concession rates starting from 7.15%*.
How to Use This Calculator
Follow these quick steps to calculate your exact monthly payments and loan schedule in seconds.
Enter your desired Loan Amount (from ₹10 Lakhs to unlimited).
Set the Interest Rate based on current market offers or click any top bank to auto-load.
Choose your preferred Loan Tenure in years (up to 30 years).
View your exact EMI, Total Interest, and download the full Excel CSV or formatted PDF schedule.
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