Home loan by need
Home Construction Loan EMI Calculator.
Disbursed in stages as construction progresses — see your EMI once the full loan is disbursed and construction is complete.
₹40,00,000
8.60%
20 Yr
Monthly EMI
₹34,967
- Principal amount
- ₹40,00,000
- Total interest
- ₹43,92,080
- Total amount
- ₹83,92,080
Principal48%
Principal amount₹40,00,000
Interest amount₹43,92,080
Your Amortization Details
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹78,656 | ₹3,40,948 | ₹39,21,344 |
| 2 | ₹85,696 | ₹3,33,908 | ₹38,35,650 |
| 3 | ₹93,362 | ₹3,26,242 | ₹37,42,288 |
| 4 | ₹1,01,713 | ₹3,17,891 | ₹36,40,574 |
| 5 | ₹1,10,814 | ₹3,08,790 | ₹35,29,759 |
| 6 | ₹1,20,730 | ₹2,98,874 | ₹34,09,029 |
| 7 | ₹1,31,533 | ₹2,88,071 | ₹32,77,497 |
| 8 | ₹1,43,301 | ₹2,76,303 | ₹31,34,197 |
| 9 | ₹1,56,121 | ₹2,63,483 | ₹29,78,075 |
| 10 | ₹1,70,089 | ₹2,49,515 | ₹28,07,985 |
| 11 | ₹1,85,309 | ₹2,34,295 | ₹26,22,677 |
| 12 | ₹2,01,889 | ₹2,17,715 | ₹24,20,788 |
| 13 | ₹2,19,952 | ₹1,99,652 | ₹22,00,836 |
| 14 | ₹2,39,631 | ₹1,79,973 | ₹19,61,205 |
| 15 | ₹2,61,075 | ₹1,58,529 | ₹17,00,133 |
| 16 | ₹2,84,431 | ₹1,35,173 | ₹14,15,703 |
| 17 | ₹3,09,878 | ₹1,09,726 | ₹11,05,824 |
| 18 | ₹3,37,607 | ₹81,997 | ₹7,68,219 |
| 19 | ₹3,67,810 | ₹51,794 | ₹4,00,409 |
| 20 | ₹4,00,406 | ₹18,887 | ₹0 |
Frequently asked questions
How is a home construction loan disbursed?
Unlike a home purchase loan disbursed as a lump sum, a construction loan is typically released in stages tied to construction progress (foundation, plinth, superstructure, finishing) — the lender or an appointed engineer verifies each stage before releasing the next tranche.
Do I pay EMI on the full amount from day one?
No — most lenders charge only pre-EMI interest on the amount disbursed so far during construction, and full EMI (principal + interest) begins only once the entire loan is disbursed and construction is complete.