REEVA

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Home loan amortisation schedule

Every EMI, month by month: how much is interest, how much is principal, and what is left to pay.

₹60 lakh · Illustrative figure

%

years

Monthly EMI₹52,069
Total interest₹64.97 lakh
Interest share of year-1 EMIs81%
Principal overtakes interestNov 2037
Principal 48%Interest 52%
Month-by-month schedule (240 EMIs)
MonthInterestPrincipalBalance left
Jan 2026₹42,500₹9,569₹59,90,431
Feb 2026₹42,432₹9,637₹59,80,793
Mar 2026₹42,364₹9,705₹59,71,088
Apr 2026₹42,295₹9,774₹59,61,314
May 2026₹42,226₹9,843₹59,51,470
Jun 2026₹42,156₹9,913₹59,41,557
Jul 2026₹42,086₹9,983₹59,31,574
Aug 2026₹42,015₹10,054₹59,21,520
Sep 2026₹41,944₹10,125₹59,11,394
Oct 2026₹41,872₹10,197₹59,01,197
Nov 2026₹41,800₹10,269₹58,90,928
Dec 2026₹41,727₹10,342₹58,80,586
Jan 2027₹41,654₹10,415₹58,70,171
Feb 2027₹41,580₹10,489₹58,59,682
Mar 2027₹41,506₹10,563₹58,49,119
Apr 2027₹41,431₹10,638₹58,38,481
May 2027₹41,356₹10,713₹58,27,767
Jun 2027₹41,280₹10,789₹58,16,978
Jul 2027₹41,204₹10,866₹58,06,112
Aug 2027₹41,127₹10,943₹57,95,169
Sep 2027₹41,049₹11,020₹57,84,149
Oct 2027₹40,971₹11,098₹57,73,050
Nov 2027₹40,892₹11,177₹57,61,874
Dec 2027₹40,813₹11,256₹57,50,617
Jan 2028₹40,734₹11,336₹57,39,282
Feb 2028₹40,653₹11,416₹57,27,865
Mar 2028₹40,572₹11,497₹57,16,368
Apr 2028₹40,491₹11,578₹57,04,790
May 2028₹40,409₹11,660₹56,93,129
Jun 2028₹40,326₹11,743₹56,81,386
Jul 2028₹40,243₹11,826₹56,69,560
Aug 2028₹40,159₹11,910₹56,57,650
Sep 2028₹40,075₹11,994₹56,45,656
Oct 2028₹39,990₹12,079₹56,33,576
Nov 2028₹39,904₹12,165₹56,21,412
Dec 2028₹39,818₹12,251₹56,09,161
Jan 2029₹39,732₹12,338₹55,96,823
Feb 2029₹39,644₹12,425₹55,84,397
Mar 2029₹39,556₹12,513₹55,71,884
Apr 2029₹39,468₹12,602₹55,59,282
May 2029₹39,378₹12,691₹55,46,591
Jun 2029₹39,288₹12,781₹55,33,810
Jul 2029₹39,198₹12,872₹55,20,939
Aug 2029₹39,107₹12,963₹55,07,976
Sep 2029₹39,015₹13,055₹54,94,921
Oct 2029₹38,922₹13,147₹54,81,774
Nov 2029₹38,829₹13,240₹54,68,534
Dec 2029₹38,735₹13,334₹54,55,200
Jan 2030₹38,641₹13,428₹54,41,772
Feb 2030₹38,546₹13,524₹54,28,248
Mar 2030₹38,450₹13,619₹54,14,629
Apr 2030₹38,354₹13,716₹54,00,913
May 2030₹38,256₹13,813₹53,87,100
Jun 2030₹38,159₹13,911₹53,73,189
Jul 2030₹38,060₹14,009₹53,59,180
Aug 2030₹37,961₹14,109₹53,45,072
Sep 2030₹37,861₹14,208₹53,30,863
Oct 2030₹37,760₹14,309₹53,16,554
Nov 2030₹37,659₹14,410₹53,02,144
Dec 2030₹37,557₹14,513₹52,87,631
Jan 2031₹37,454₹14,615₹52,73,016
Feb 2031₹37,351₹14,719₹52,58,297
Mar 2031₹37,246₹14,823₹52,43,474
Apr 2031₹37,141₹14,928₹52,28,546
May 2031₹37,036₹15,034₹52,13,512
Jun 2031₹36,929₹15,140₹51,98,371
Jul 2031₹36,822₹15,248₹51,83,124
Aug 2031₹36,714₹15,356₹51,67,768
Sep 2031₹36,605₹15,464₹51,52,304
Oct 2031₹36,495₹15,574₹51,36,730
Nov 2031₹36,385₹15,684₹51,21,046
Dec 2031₹36,274₹15,795₹51,05,250
Jan 2032₹36,162₹15,907₹50,89,343
Feb 2032₹36,050₹16,020₹50,73,323
Mar 2032₹35,936₹16,133₹50,57,190
Apr 2032₹35,822₹16,248₹50,40,942
May 2032₹35,707₹16,363₹50,24,580
Jun 2032₹35,591₹16,479₹50,08,101
Jul 2032₹35,474₹16,595₹49,91,506
Aug 2032₹35,356₹16,713₹49,74,793
Sep 2032₹35,238₹16,831₹49,57,961
Oct 2032₹35,119₹16,951₹49,41,011
Nov 2032₹34,999₹17,071₹49,23,940
Dec 2032₹34,878₹17,191₹49,06,749
Jan 2033₹34,756₹17,313₹48,89,436
Feb 2033₹34,634₹17,436₹48,72,000
Mar 2033₹34,510₹17,559₹48,54,440
Apr 2033₹34,386₹17,684₹48,36,756
May 2033₹34,260₹17,809₹48,18,947
Jun 2033₹34,134₹17,935₹48,01,012
Jul 2033₹34,007₹18,062₹47,82,950
Aug 2033₹33,879₹18,190₹47,64,760
Sep 2033₹33,750₹18,319₹47,46,441
Oct 2033₹33,621₹18,449₹47,27,992
Nov 2033₹33,490₹18,579₹47,09,413
Dec 2033₹33,358₹18,711₹46,90,702
Jan 2034₹33,226₹18,844₹46,71,858
Feb 2034₹33,092₹18,977₹46,52,881
Mar 2034₹32,958₹19,111₹46,33,769
Apr 2034₹32,823₹19,247₹46,14,523
May 2034₹32,686₹19,383₹45,95,139
Jun 2034₹32,549₹19,520₹45,75,619
Jul 2034₹32,411₹19,659₹45,55,960
Aug 2034₹32,271₹19,798₹45,36,162
Sep 2034₹32,131₹19,938₹45,16,224
Oct 2034₹31,990₹20,079₹44,96,144
Nov 2034₹31,848₹20,222₹44,75,923
Dec 2034₹31,704₹20,365₹44,55,558
Jan 2035₹31,560₹20,509₹44,35,049
Feb 2035₹31,415₹20,654₹44,14,394
Mar 2035₹31,269₹20,801₹43,93,593
Apr 2035₹31,121₹20,948₹43,72,645
May 2035₹30,973₹21,096₹43,51,549
Jun 2035₹30,823₹21,246₹43,30,303
Jul 2035₹30,673₹21,396₹43,08,906
Aug 2035₹30,521₹21,548₹42,87,358
Sep 2035₹30,369₹21,701₹42,65,658
Oct 2035₹30,215₹21,854₹42,43,804
Nov 2035₹30,060₹22,009₹42,21,794
Dec 2035₹29,904₹22,165₹41,99,629
Jan 2036₹29,747₹22,322₹41,77,307
Feb 2036₹29,589₹22,480₹41,54,827
Mar 2036₹29,430₹22,639₹41,32,188
Apr 2036₹29,270₹22,800₹41,09,388
May 2036₹29,108₹22,961₹40,86,427
Jun 2036₹28,946₹23,124₹40,63,303
Jul 2036₹28,782₹23,288₹40,40,015
Aug 2036₹28,617₹23,453₹40,16,563
Sep 2036₹28,451₹23,619₹39,92,944
Oct 2036₹28,283₹23,786₹39,69,158
Nov 2036₹28,115₹23,955₹39,45,203
Dec 2036₹27,945₹24,124₹39,21,079
Jan 2037₹27,774₹24,295₹38,96,784
Feb 2037₹27,602₹24,467₹38,72,317
Mar 2037₹27,429₹24,640₹38,47,676
Apr 2037₹27,254₹24,815₹38,22,861
May 2037₹27,079₹24,991₹37,97,871
Jun 2037₹26,902₹25,168₹37,72,703
Jul 2037₹26,723₹25,346₹37,47,357
Aug 2037₹26,544₹25,526₹37,21,831
Sep 2037₹26,363₹25,706₹36,96,125
Oct 2037₹26,181₹25,889₹36,70,236
Nov 2037₹25,998₹26,072₹36,44,164
Dec 2037₹25,813₹26,257₹36,17,908
Jan 2038₹25,627₹26,443₹35,91,465
Feb 2038₹25,440₹26,630₹35,64,835
Mar 2038₹25,251₹26,818₹35,38,017
Apr 2038₹25,061₹27,008₹35,11,008
May 2038₹24,870₹27,200₹34,83,809
Jun 2038₹24,677₹27,392₹34,56,416
Jul 2038₹24,483₹27,586₹34,28,830
Aug 2038₹24,288₹27,782₹34,01,048
Sep 2038₹24,091₹27,979₹33,73,069
Oct 2038₹23,893₹28,177₹33,44,893
Nov 2038₹23,693₹28,376₹33,16,516
Dec 2038₹23,492₹28,577₹32,87,939
Jan 2039₹23,290₹28,780₹32,59,159
Feb 2039₹23,086₹28,984₹32,30,175
Mar 2039₹22,880₹29,189₹32,00,986
Apr 2039₹22,674₹29,396₹31,71,591
May 2039₹22,465₹29,604₹31,41,987
Jun 2039₹22,256₹29,814₹31,12,173
Jul 2039₹22,045₹30,025₹30,82,148
Aug 2039₹21,832₹30,238₹30,51,911
Sep 2039₹21,618₹30,452₹30,21,459
Oct 2039₹21,402₹30,667₹29,90,791
Nov 2039₹21,185₹30,885₹29,59,907
Dec 2039₹20,966₹31,103₹29,28,803
Jan 2040₹20,746₹31,324₹28,97,480
Feb 2040₹20,524₹31,546₹28,65,934
Mar 2040₹20,300₹31,769₹28,34,165
Apr 2040₹20,075₹31,994₹28,02,171
May 2040₹19,849₹32,221₹27,69,950
Jun 2040₹19,620₹32,449₹27,37,501
Jul 2040₹19,391₹32,679₹27,04,823
Aug 2040₹19,159₹32,910₹26,71,912
Sep 2040₹18,926₹33,143₹26,38,769
Oct 2040₹18,691₹33,378₹26,05,391
Nov 2040₹18,455₹33,615₹25,71,776
Dec 2040₹18,217₹33,853₹25,37,924
Jan 2041₹17,977₹34,092₹25,03,831
Feb 2041₹17,735₹34,334₹24,69,497
Mar 2041₹17,492₹34,577₹24,34,920
Apr 2041₹17,247₹34,822₹24,00,098
May 2041₹17,001₹35,069₹23,65,030
Jun 2041₹16,752₹35,317₹23,29,713
Jul 2041₹16,502₹35,567₹22,94,145
Aug 2041₹16,250₹35,819₹22,58,326
Sep 2041₹15,996₹36,073₹22,22,253
Oct 2041₹15,741₹36,328₹21,85,925
Nov 2041₹15,484₹36,586₹21,49,339
Dec 2041₹15,224₹36,845₹21,12,494
Jan 2042₹14,963₹37,106₹20,75,388
Feb 2042₹14,701₹37,369₹20,38,019
Mar 2042₹14,436₹37,633₹20,00,386
Apr 2042₹14,169₹37,900₹19,62,486
May 2042₹13,901₹38,168₹19,24,318
Jun 2042₹13,631₹38,439₹18,85,879
Jul 2042₹13,358₹38,711₹18,47,168
Aug 2042₹13,084₹38,985₹18,08,182
Sep 2042₹12,808₹39,261₹17,68,921
Oct 2042₹12,530₹39,540₹17,29,381
Nov 2042₹12,250₹39,820₹16,89,562
Dec 2042₹11,968₹40,102₹16,49,460
Jan 2043₹11,684₹40,386₹16,09,074
Feb 2043₹11,398₹40,672₹15,68,403
Mar 2043₹11,110₹40,960₹15,27,443
Apr 2043₹10,819₹41,250₹14,86,193
May 2043₹10,527₹41,542₹14,44,651
Jun 2043₹10,233₹41,836₹14,02,814
Jul 2043₹9,937₹42,133₹13,60,681
Aug 2043₹9,638₹42,431₹13,18,250
Sep 2043₹9,338₹42,732₹12,75,518
Oct 2043₹9,035₹43,034₹12,32,484
Nov 2043₹8,730₹43,339₹11,89,144
Dec 2043₹8,423₹43,646₹11,45,498
Jan 2044₹8,114₹43,955₹11,01,543
Feb 2044₹7,803₹44,267₹10,57,276
Mar 2044₹7,489₹44,580₹10,12,696
Apr 2044₹7,173₹44,896₹9,67,799
May 2044₹6,855₹45,214₹9,22,585
Jun 2044₹6,535₹45,534₹8,77,051
Jul 2044₹6,212₹45,857₹8,31,194
Aug 2044₹5,888₹46,182₹7,85,012
Sep 2044₹5,561₹46,509₹7,38,503
Oct 2044₹5,231₹46,838₹6,91,665
Nov 2044₹4,899₹47,170₹6,44,495
Dec 2044₹4,565₹47,504₹5,96,991
Jan 2045₹4,229₹47,841₹5,49,150
Feb 2045₹3,890₹48,180₹5,00,970
Mar 2045₹3,549₹48,521₹4,52,449
Apr 2045₹3,205₹48,865₹4,03,585
May 2045₹2,859₹49,211₹3,54,374
Jun 2045₹2,510₹49,559₹3,04,815
Jul 2045₹2,159₹49,910₹2,54,905
Aug 2045₹1,806₹50,264₹2,04,641
Sep 2045₹1,450₹50,620₹1,54,021
Oct 2045₹1,091₹50,978₹1,03,043
Nov 2045₹730₹51,340₹51,703
Dec 2045₹366₹51,703₹0

How each row is worked out

Each month, interest = balance left × yearly rate ÷ 12 ÷ 100. The rest of the EMI is principal, and it comes off the balance. The next month starts from the new, smaller balance. That is the reducing-balance method that Indian banks use, and you can check any row with a phone calculator.

An illustrative example

On a ₹60 lakh loan at 8.5% for 20 years (example figures), the first month’s interest is ₹60,00,000 × 8.5 ÷ 12 ÷ 100 = ₹42,500. With an EMI of about ₹52,070, only about ₹9,570 reduces the loan in that first month. Open the table above to watch the split change.

Want to finish sooner? Try the prepayment calculator. Not sure what you can borrow? See how much house you can afford, or read the first-home guide.

Other tools that help

FAQ

Questions people ask

What is an amortisation schedule?

It is the full list of your EMIs, one row per month, showing how much of each goes to interest, how much to principal, and what you still owe after it. Your bank can give you one; this page lets you see it before you borrow.

Why is most of my early EMI interest?

Interest is worked out on the balance left, and at the start the balance is at its highest. As you repay, the interest part shrinks and the principal part grows, while the EMI stays the same.

When does principal start to beat interest?

It depends on the rate and the tenure. On a long loan at a higher rate it can take many years. The calculator shows the exact month for your numbers under “Principal overtakes interest”.

Will this match my bank’s schedule exactly?

Closely, not exactly. Banks may count interest daily, round each EMI differently, or change the rate during the loan. Use this to plan, and use your bank’s schedule for your records.

How do I use this to plan a prepayment?

Look at the balance left in the year you expect a bonus, then put that year and amount into the prepayment calculator to see the interest saved.

Want to run these numbers on a real home?

Ask the Reeva team for the price of a home at The Shalott Marque, then put it into the calculator. We will walk you through the costs, the paperwork and the loan, plainly.

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