⚡ Loan Prepayment Calculator
See how much interest a lump-sum prepayment saves — choose whether to shorten the tenure (keep EMI) or reduce the EMI (keep tenure).
Total Savings
₹0
Current EMI₹0
New Tenure—
Months Saved—
Total Outflow: Without → With Prepayment—
Reducing tenure almost always saves more interest than reducing EMI. Floating-rate home loans have no prepayment penalty for individuals; fixed-rate and personal loans may charge one. Savings shown are net of the prepayment amount. Estimates only.