Find your exact monthly payment, total interest, and year-by-year amortisation for any home loan amount up to ₹15 Crore. Updated with 2026 Pune bank rates.
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance |
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We've helped 2,000+ Pune families reduce their EMI by comparing 30+ banks. Zero fee, doorstep service.
Drag the three sliders — loan amount, interest rate, and tenure — and your EMI updates as you go, along with the total interest you'll pay across the full loan. Most people are surprised how big that total interest figure gets: on a 20-year loan it often rivals the principal itself, which is exactly why the rate you start with matters so much.
The amortisation table below the calculator breaks down your repayment year by year — showing exactly how much principal and interest you pay each year, and what your outstanding balance will be. This is helpful for planning prepayments.
The EMI is calculated using the standard reducing balance formula:
EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ – 1)
Where P = Principal loan amount, r = Monthly interest rate (Annual rate ÷ 12 ÷ 100), n = Loan tenure in months. All Indian banks use this formula for home loan EMI calculations.
Home loan interest rates in Pune currently start from around 7.15% p.a. for salaried borrowers with a strong CIBIL score. Your actual rate depends on your credit profile, loan amount, employment type, and the specific bank scheme you qualify for — and rates move whenever the RBI revises the repo rate.
We keep the full bank-by-bank comparison (with the live RBI repo tracker) on a single, always-updated page so the numbers never go stale: → Live home loan interest rates in Pune, compared across 12+ banks.
EMI varies depending on the property type, location, and the bank's assessment of the property. Here is a reference guide for common Pune property scenarios in 2026:
*All EMIs calculated at 7.5% p.a. for 20 years. Actual rates may vary.