This is a tool developed to know loan amount

Pls enter the values 4500000

Loan expected 3500000
Period (Yrs) 25
Interest 4th yr onwards 9.50%
(for loans upto 50 lacs it is 9%, for loans above 50 lacs it is 10%

Your Take Home P.m 80000

Current loan repayment p.m 15000
Other regular income p.m
( Proposed Rental Income, Bank interest, )
n amount & EMI

(Rates vary depending upon the scheme)

( You can include eligible co applicant income)

(include all repayments such as car loan, home loan)

(current / proposed rental income, bank interest)

Your take home p.m
Other regular income p.m
Total income p.m.
Rate to be applied
Investible amount
Less: Current repayments obligations
Amount available for HL repayment
rate of interest to be applied
EMI per lac
Hence loan available (lakhs)
 80000
0
80000
55%
44000
15000
29000
10.00%
874
33.19
Month Loan Amt Interest EMI
1 3319230 22128 25618
2 3315740 22105 25618
3 3312226 22082 25618
4 3308690 22058 25618
5 3305129 22034 25618
6 3301545 22010 25618
7 3297937 21986 25618
8 3294305 21962 25618
9 3290649 21938 25618
10 3286968 21913 25618
11 3283263 21888 25618
12 3279533 21864 25618
13 3275778 24568 27800
14 3272546 24544 27800
15 3269290 24520 27800
16 3266009 24495 27800
17 3262704 24470 27800
18 3259373 24445 27800
19 3256018 24420 27800
20 3252638 24395 27800
21 3249233 24369 27800
22 3245802 24344 27800
23 3242345 24318 27800
24 3238862 24291 27800
25 3235353 24265 27800
26 3231818 24239 27800
27 3228256 24212 27800
28 3224668 24185 27800
29 3221052 24158 27800
30 3217410 24131 27800
31 3213740 24103 27800
32 3210043 24075 27800
33 3206318 24047 27800
34 3202565 24019 27800
35 3198784 23991 27800
36 3194974 23962 27800
37 3191136 25263 28863
38 3187537 25235 28863
39 3183909 25206 28863
40 3180252 25177 28863
41 3176566 25148 28863
42 3172852 25118 28863
43 3169107 25089 28863
44 3165334 25059 28863
45 3161530 25029 28863
46 3157696 24998 28863
47 3153832 24968 28863
48 3149937 24937 28863
49 3146012 24906 28863
50 3142055 24875 28863
51 3138067 24843 28863
52 3134047 24811 28863
53 3129996 24779 28863
54 3125913 24747 28863
55 3121797 24714 28863
56 3117648 24681 28863
57 3113467 24648 28863
58 3109253 24615 28863
59 3105005 24581 28863
60 3100724 24547 28863
61 3096409 24513 28863
62 3092059 24479 28863
63 3087676 24444 28863
64 3083257 24409 28863
65 3078804 24374 28863
66 3074315 24338 28863
67 3069791 24303 28863
68 3065231 24266 28863
69 3060634 24230 28863
70 3056002 24193 28863
71 3051333 24156 28863
72 3046626 24119 28863
73 3041883 24082 28863
74 3037102 24044 28863
75 3032283 24006 28863
76 3027426 23967 28863
77 3022531 23928 28863
78 3017596 23889 28863
79 3012623 23850 28863
80 3007610 23810 28863
81 3002558 23770 28863
82 2997466 23730 28863
83 2992333 23689 28863
84 2987160 23648 28863
85 2981945 23607 28863
86 2976690 23565 28863
87 2971393 23524 28863
88 2966054 23481 28863
89 2960672 23439 28863
90 2955248 23396 28863
91 2949782 23352 28863
92 2944271 23309 28863
93 2938718 23265 28863
94 2933120 23221 28863
95 2927478 23176 28863
96 2921791 23131 28863
97 2916059 23085 28863
98 2910282 23040 28863
99 2904459 22994 28863
100 2898590 22947 28863
101 2892675 22900 28863
102 2886713 22853 28863
103 2880703 22806 28863
104 2874646 22758 28863
105 2868541 22709 28863
106 2862388 22661 28863
107 2856186 22611 28863
108 2849935 22562 28863
109 2843634 22512 28863
110 2837284 22462 28863
111 2830883 22411 28863
112 2824432 22360 28863
113 2817929 22309 28863
114 2811375 22257 28863
115 2804769 22204 28863
116 2798111 22152 28863
117 2791400 22099 28863
118 2784636 22045 28863
119 2777819 21991 28863
120 2770947 21937 28863
121 2764021 21882 28863
122 2757040 21827 28863
123 2750004 21771 28863
124 2742913 21715 28863
125 2735765 21658 28863
126 2728560 21601 28863
127 2721299 21544 28863
128 2713980 21486 28863
129 2706603 21427 28863
130 2699168 21368 28863
131 2691674 21309 28863
132 2684120 21249 28863
133 2676507 21189 28863
134 2668833 21128 28863
135 2661099 21067 28863
136 2653303 21005 28863
137 2645446 20943 28863
138 2637526 20880 28863
139 2629544 20817 28863
140 2621499 20754 28863
141 2613390 20689 28863
142 2605217 20625 28863
143 2596979 20559 28863
144 2588675 20494 28863
145 2580307 20427 28863
146 2571871 20361 28863
147 2563369 20293 28863
148 2554800 20226 28863
149 2546163 20157 28863
150 2537458 20088 28863
151 2528683 20019 28863
152 2519839 19949 28863
153 2510926 19878 28863
154 2501941 19807 28863
155 2492886 19735 28863
156 2483758 19663 28863
157 2474559 19590 28863
158 2465286 19517 28863
159 2455941 19443 28863
160 2446521 19368 28863
161 2437027 19293 28863
162 2427457 19217 28863
163 2417812 19141 28863
164 2408090 19064 28863
165 2398292 18986 28863
166 2388416 18908 28863
167 2378461 18829 28863
168 2368428 18750 28863
169 2358316 18670 28863
170 2348123 18589 28863
171 2337850 18508 28863
172 2327495 18426 28863
173 2317059 18343 28863
174 2306540 18260 28863
175 2295937 18176 28863
176 2285251 18092 28863
177 2274480 18006 28863
178 2263623 17920 28863
179 2252681 17834 28863
180 2241652 17746 28863
181 2230536 17658 28863
182 2219332 17570 28863
183 2208039 17480 28863
184 2196657 17390 28863
185 2185184 17299 28863
186 2173621 17208 28863
187 2161966 17116 28863
188 2150219 17023 28863
189 2138379 16929 28863
190 2126446 16834 28863
191 2114417 16739 28863
192 2102294 16643 28863
193 2090074 16546 28863
194 2077758 16449 28863
195 2065345 16351 28863
196 2052833 16252 28863
197 2040222 16152 28863
198 2027511 16051 28863
199 2014699 15950 28863
200 2001786 15847 28863
201 1988771 15744 28863
202 1975653 15641 28863
203 1962431 15536 28863
204 1949104 15430 28863
205 1935672 15324 28863
206 1922134 15217 28863
207 1908488 15109 28863
208 1894734 15000 28863
209 1880872 14890 28863
210 1866899 14780 28863
211 1852816 14668 28863
212 1838622 14556 28863
213 1824315 14442 28863
214 1809895 14328 28863
215 1795361 14213 28863
216 1780711 14097 28863
217 1765946 13980 28863
218 1751064 13863 28863
219 1736064 13744 28863
220 1720945 13624 28863
221 1705707 13504 28863
222 1690348 13382 28863
223 1674867 13259 28863
224 1659264 13136 28863
225 1643537 13011 28863
226 1627686 12886 28863
227 1611709 12759 28863
228 1595606 12632 28863
229 1579375 12503 28863
230 1563016 12374 28863
231 1546527 12243 28863
232 1529908 12112 28863
233 1513157 11979 28863
234 1496274 11845 28863
235 1479257 11711 28863
236 1462105 11575 28863
237 1444817 11438 28863
238 1427393 11300 28863
239 1409830 11161 28863
240 1392129 11021 28863
241 1374287 10880 28863
242 1356305 10737 28863
243 1338179 10594 28863
244 1319911 10449 28863
245 1301497 10304 28863
246 1282938 10157 28863
247 1264232 10009 28863
248 1245378 9859 28863
249 1226375 9709 28863
250 1207221 9557 28863
251 1187916 9404 28863
252 1168457 9250 28863
253 1148845 9095 28863
254 1129078 8939 28863
255 1109153 8781 28863
256 1089072 8622 28863
257 1068831 8462 28863
258 1048430 8300 28863
259 1027867 8137 28863
260 1007142 7973 28863
261 986253 7808 28863
262 965198 7641 28863
263 943976 7473 28863
264 922587 7304 28863
265 901028 7133 28863
266 879299 6961 28863
267 857397 6788 28863
268 835322 6613 28863
269 813073 6437 28863
270 790647 6259 28863
271 768044 6080 28863
272 745261 5900 28863
273 722299 5718 28863
274 699154 5535 28863
275 675827 5350 28863
276 652315 5164 28863
277 628616 4977 28863
278 604730 4787 28863
279 580655 4597 28863
280 556389 4405 28863
281 531931 4211 28863
282 507280 4016 28863
283 482433 3819 28863
284 457390 3621 28863
285 432148 3421 28863
286 406707 3220 28863
287 381064 3017 28863
288 355218 2812 28863
289 329168 2606 28863
290 302911 2398 28863
291 276447 2189 28863
292 249773 1977 28863
293 222887 1765 28863
294 195789 1550 28863
295 168477 1334 28863
296 140948 1116 28863
297 113201 896 28863
298 85235 675 28863
299 57047 452 28863
300 28636 227 28863
301 0 0 0
Loan Amount - Expected
Loan Amount - Computed
Loan Amount - Sanctioned(least of above)
Period (Total years)
Rate of interest (p.a) for the first year *
Rate of interest (p.a) for the Second & Third year *
Rate of interest (p.a) for the remaining tenure*
EMI for the first year
EMI for the Second and Third year
EMI for the remaining tenure
This is prepared by Kodur V.Sathyamurthy
Home loan Counsellor, SBI
* Terms and condition apply for interest rates
This is a tool that provides critical output. Pls check with us for more information.
Any errors / feedback kindly be sent our email id
For latest interest rates, Pls check sbi.co.in
 3500000
3319230
3319230
25 Years
8.00%
9.00%
9.50%
25618
27800
28863
y