Home Loan Prepayment Calculator India 2026
Compare the effect of a lump-sum prepayment on a remaining home loan when you keep the existing EMI unchanged.
About this calculator
The model keeps the existing EMI unchanged after prepayment and simulates the remaining balance month by month. It does not include lender-specific prepayment charges unless you model them separately.
Frequently Asked Questions
Does prepayment always reduce EMI?
No. Depending on the lender and instruction, prepayment can reduce tenure, EMI, or both.
Does this include a lender-specific charge?
No. Add any known charge separately when comparing the scenarios.