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Vol. 05 — LOCATIONS

Home Loan EMI Calculator — Kolkata

Current rates: 8.45%–9.40% p.a. · West Bengal

Bank / LenderInterest Rate (p.a.)
SBI8.45%
UCO Bank8.55%
HDFC Bank8.65%
United Bank of India8.55%
ICICI Bank8.75%

Rates as of 2025. Subject to change. Verify with your lender before applying.

Calculate Your Kolkata Home Loan EMI

Vol. 01 — Home Loan Prepayment Calculator

Pay it down, on your terms.

EMI₹83,644·
Loan amount₹1.00 Cr·
Rate8%·
Tenure20 years·
Total interest₹1.01 Cr·
Total payment₹2.01 Cr·
EMI₹83,644·
Loan amount₹1.00 Cr·
Rate8%·
Tenure20 years·
Total interest₹1.01 Cr·
Total payment₹2.01 Cr·
EMI₹83,644·
Loan amount₹1.00 Cr·
Rate8%·
Tenure20 years·
Total interest₹1.01 Cr·
Total payment₹2.01 Cr·
01

The Loan

₹1.00 Cr
₹
₹5 L₹5 Cr
8%
%
1%30%
20 years
yrsmo
1 yr30 yrs
1 May 2026
Monthly EMI · scenario
₹83,644
Effective term
20 years
Principal
₹1.00 Cr
₹1,00,00,000.00
Total Interest
₹1.01 Cr
101% of principal
Total Payment
₹2.01 Cr
₹2,00,74,562.40
02Repayment Events

Lump sums, monthly extras, or rate resets — in any order

No events yet. Add a prepayment, monthly extra, or a rate change.

—Disbursement

Enter each bank release — month and amount

No tranches yet. Add disbursal tranches — the month/year and amount for each bank release. Pre-EMI interest is calculated on the cumulative disbursed amount each month.

—

Loan Breakdown

Principal · Interest

MONTHLY EMI₹83.6K
Principal₹1.00 Cr50% of total
Interest₹1.01 Cr50% of total
03

Outstanding Balance

1Cr75L50L25L0K20262029203220352038204120442047
EMI #MonthOpeningEMIPrincipalInterestBalance
2026Jun 2026 – Dec 2026—₹5,85,508₹1,21,245
21% of EMI
₹4,64,263
79% of EMI
₹98,78,755
99% remaining
2027Jan 2027 – Dec 2027—₹10,03,728₹2,21,430
22% of EMI
₹7,82,298
78% of EMI
₹96,57,325
97% remaining
2028Jan 2028 – Dec 2028—₹10,03,728₹2,39,809
24% of EMI
₹7,63,920
76% of EMI
₹94,17,517
94% remaining
2029Jan 2029 – Dec 2029—₹10,03,728₹2,59,712
26% of EMI
₹7,44,016
74% of EMI
₹91,57,804
92% remaining
2030Jan 2030 – Dec 2030—₹10,03,728₹2,81,269
28% of EMI
₹7,22,460
72% of EMI
₹88,76,536
89% remaining
2031Jan 2031 – Dec 2031—₹10,03,728₹3,04,614
30% of EMI
₹6,99,114
70% of EMI
₹85,71,922
86% remaining
2032Jan 2032 – Dec 2032—₹10,03,728₹3,29,896
33% of EMI
₹6,73,832
67% of EMI
₹82,42,026
82% remaining
2033Jan 2033 – Dec 2033—₹10,03,728₹3,57,278
36% of EMI
₹6,46,450
64% of EMI
₹78,84,748
79% remaining
2034Jan 2034 – Dec 2034—₹10,03,728₹3,86,932
39% of EMI
₹6,16,797
61% of EMI
₹74,97,817
75% remaining
2035Jan 2035 – Dec 2035—₹10,03,728₹4,19,047
42% of EMI
₹5,84,681
58% of EMI
₹70,78,770
71% remaining
2036Jan 2036 – Dec 2036—₹10,03,728₹4,53,827
45% of EMI
₹5,49,901
55% of EMI
₹66,24,943
66% remaining
2037Jan 2037 – Dec 2037—₹10,03,728₹4,91,495
49% of EMI
₹5,12,233
51% of EMI
₹61,33,448
61% remaining
2038Jan 2038 – Dec 2038—₹10,03,728₹5,32,289
53% of EMI
₹4,71,440
47% of EMI
₹56,01,159
56% remaining
2039Jan 2039 – Dec 2039—₹10,03,728₹5,76,468
57% of EMI
₹4,27,260
43% of EMI
₹50,24,691
50% remaining
2040Jan 2040 – Dec 2040—₹10,03,728₹6,24,315
62% of EMI
₹3,79,413
38% of EMI
₹44,00,376
44% remaining
2041Jan 2041 – Dec 2041—₹10,03,728₹6,76,133
67% of EMI
₹3,27,595
33% of EMI
₹37,24,243
37% remaining
2042Jan 2042 – Dec 2042—₹10,03,728₹7,32,251
73% of EMI
₹2,71,477
27% of EMI
₹29,91,992
30% remaining
2043Jan 2043 – Dec 2043—₹10,03,728₹7,93,028
79% of EMI
₹2,10,700
21% of EMI
₹21,98,964
22% remaining
2044Jan 2044 – Dec 2044—₹10,03,728₹8,58,849
86% of EMI
₹1,44,879
14% of EMI
₹13,40,115
13% remaining
2045Jan 2045 – Dec 2045—₹10,03,728₹9,30,133
93% of EMI
₹73,595
7% of EMI
₹4,09,982
4% remaining
2046Jan 2046 – May 2046—₹4,18,218₹4,09,982
98% of EMI
₹8,236
2% of EMI
₹0
0% remaining
Loan Total₹2,00,74,561₹1,00,00,000₹1,00,74,561—

Property Prices in Kolkata

Average: ₹4,000–₹12,000 per sq ft

Kolkata has one of the most affordable luxury home markets in India. Areas like Rajarhat-New Town, Salt Lake, and EM Bypass are popular residential corridors. UCO Bank and United Bank of India, both headquartered in Kolkata, are popular home loan lenders in the region. The New Town area is a planned township that has attracted significant residential development, with prices between ₹4,500–₹7,000 per sq ft. Kolkata's real estate market is characterized by larger flat sizes at lower per-sq-ft costs compared to Mumbai or Delhi. Home loan amounts typically range from ₹20L to ₹70L. Calculate your Kolkata home loan EMI using LoanClarity.

Home Loan FAQs — Kolkata

EMI (Equated Monthly Instalment) is the fixed monthly amount you pay to repay your home loan. It is calculated using the formula: EMI = [P × R × (1+R)^N] / [(1+R)^N – 1], where P is the principal loan amount, R is the monthly interest rate (annual rate ÷ 12 ÷ 100), and N is the total number of monthly instalments. LoanClarity computes this exactly for any inputs you enter.
Yes. For floating-rate home loans (linked to MCLR or EBLR), when the RBI changes the repo rate, your lender adjusts your interest rate, which changes either your EMI or your remaining tenure. Most lenders keep the EMI the same and extend/reduce the tenure. LoanClarity lets you simulate both scenarios.
A fixed interest rate stays the same for the entire loan tenure, giving predictable EMIs. A floating rate is linked to a benchmark (MCLR or EBLR) and changes when the RBI adjusts the repo rate. As of 2025, most Indian home loans are on floating rates. Fixed rates are typically 1–2% higher than floating rates.
See also: All Cities·Reduce EMI vs Reduce Tenure·Full FAQ Hub

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