Mortgage calculator for India
Floating rates linked to an external benchmark, stamp duty set state by state and often the largest upfront cost, and terms that shorten with the borrower’s age.
Mortgage calculator
Change any field and the figures update as you type. Everything is worked out in your browser: no number you enter is transmitted or stored.
How this market works
| Currency | INR ₹ |
|---|---|
| Typical rate (annual) | 8.6 % |
| Term | 20 years typical · up to 30 |
| Typical deposit | 20 % |
| Purchase costs | Stamp duty 5.5%, Land registry 1%, Arrangement fee 0.5%, Legal fees 0.3% |
| Official sources | Reserve Bank of India — policy rates · RBI — consumer education |
The starting figures are indicative values for this market, not an offer or a quote. Change any of them — the calculation updates as you type, and nothing you enter leaves your browser.
Related guides
How Much Can I Borrow? What the Lender Is Actually Calculating
Income multiples are the rule of thumb; debt-to-income, the stress test and your outgoings are what really set the number. Here is the whole calculation.
How Mortgage Interest Is Calculated, Month by Month
Interest is charged on what you still owe, not on what you borrowed. That one sentence explains amortisation, overpayment savings and daily interest.
First-Time Buyer Mortgages: The Schemes, and the Catches
Low-deposit products, state guarantees and shared ownership all reduce the cash you need — and each of them costs something. Here is what.