For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
Indian housing-loan rates pegged to EBLR (External Benchmark Lending Rate, typically RBI repo + spread) since 2019. RBI mandates no prepayment penalty on floating-rate housing loans. Section 80C tax deduction on principal repayment up to ₹1.5L; §24(b) on interest up to ₹2L (self-occupied).
Typical fixed-rate band
8.50–10.00%
2026 headline range
Typical floating / variable
8.50–10.50%
Tracker / SVR / EBLR / EIBOR / SORA…
Max LTV
85%
Typical deposit 20%
Typical term
30 yrs
RBI-mandated nil on floating-rate housing loans
Pre-populated with the median fixed rate, typical deposit %, and typical term from IN lenders. Override any input. Stamp / transfer / property tax not modeled — see the sources block below for binding affordability rules.
Loan amount
₹9,600,000
LTV 80.00%
Monthly P&I
₹78,977
30y at 9.25%
Total interest
₹18,831,663
Total cost ₹28,431,663
Stamp / transfer / property tax differs widely by jurisdiction and is not modeled here. See the country's sources block below for the binding rules.
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What this calculator does NOT cover:
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
IN mortgage market — typical rate bands and structural quirks compiled from each country's central-bank statistical release for 2026.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.