Federal Bank Home Loan EMI Calculator

Calculate EMI for Federal Bank home loan at the current 8.8% rate.

Loans & EMI🇮🇳India · FY 2026-27Reviewed Apr 2026No sign-up · Runs in your browser

Loan Details

Loan Amount₹50,00,000

Interest Rate8.8%

Loan Tenure20yrs

Results

Your Monthly EMI

₹44,345

Principal

₹50,00,000

Total Interest

₹56,42,843

Total Payment

₹1,06,42,843

Principal

Interest

Yearly Amortization Schedule

Year	Principal Paid	Interest Paid	Balance
1	₹95,951	₹4,36,191	₹49,04,049
2	₹1,04,744	₹4,27,399	₹47,99,305
3	₹1,14,342	₹4,17,800	₹46,84,963
4	₹1,24,820	₹4,07,322	₹45,60,143
5	₹1,36,258	₹3,95,884	₹44,23,885
6	₹1,48,745	₹3,83,397	₹42,75,140
7	₹1,62,375	₹3,69,767	₹41,12,765
8	₹1,77,255	₹3,54,887	₹39,35,510
9	₹1,93,498	₹3,38,644	₹37,42,012
10	₹2,11,230	₹3,20,912	₹35,30,782
11	₹2,30,586	₹3,01,556	₹33,00,195
12	₹2,51,717	₹2,80,425	₹30,48,479
13	₹2,74,784	₹2,57,359	₹27,73,695
14	₹2,99,964	₹2,32,178	₹24,73,731
15	₹3,27,452	₹2,04,690	₹21,46,279
16	₹3,57,459	₹1,74,683	₹17,88,820
17	₹3,90,216	₹1,41,927	₹13,98,605
18	₹4,25,974	₹1,06,168	₹9,72,631
19	₹4,65,009	₹67,133	₹5,07,621
20	₹5,07,621	₹24,521	₹0

How it works

Federal Bank home loan highlights

Interest rate starts at 8.8% p.a.
Loan tenure up to 30 years
Up to 90% financing on property value
Processing fee: 0.25% to 1% of loan amount

Rates listed here are indicative based on publicly available information and update periodically. Final rate will be confirmed by the bank after credit assessment.

Frequently asked