# DHFL Home Loan EMI Calculator

₹ 50k ₹ 5Cr
6.0% 30.0%
1 years 30 years
Principal Amount
Interest Amount

Monthly EMI

Principal Amount

Interest Amount

Tenure (Years)

Total Amount

## 2044

While taking a home loan, it becomes important to be sure of repaying it without any hurdles. DHFL home loan EMI calculator is very helpful in such cases. You can get it online and use it as many times as you want. Using this calculator gives you the chance to be sure of your monthly installments and then agree on it. Otherwise, many people just don’t realize their repayment capacity and end up skipping EMIs. So, to ignore such cases, you should use a home loan calculator and then finalize the best home loan combination.

## How to Use Wishfin DHFL Home Loan EMI Calculator?

The Wishfin DHFL home loan EMI calculator is simple and free to use. Just input the loan amount, the annual interest rate, and the maximum loan tenure. The calculator automatically converts the annual interest rate into a monthly rate for precise calculations. You can view your monthly installments, repayment schedule, and the outstanding balance for each year of the loan.

## DHFL Home Loan EMI Calculator Formula

The calculator uses the below formula to calculate the monthly installment, total interest outgo and total repayment amount.

EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
where,
EMI = Equated Monthly Installment
P = Principal Loan Amount
R = Monthly Interest Rate
N = Number of Monthly Installments

For instance, Priya Sharma takes out a home loan of ₹52,00,000 with a 30-year term at an annual interest rate of 12%. Using the following formula:

Principal Amount (P): ₹52,00,000
Interest Rate (R): 12% per annum (which translates to 0.01 per month)
Loan Tenure (n): 30 years, or 360 months

Let’s see how it works:

[52,00,000 x 0.01 x (1 + 0.01) ^ 360]/[(1+0.01) ^360 -1] = 53,488

The EMIs you will be required to pay is 53,488

## Union Bank of India Home Loan Amortisation Schedule

Here is an example showing the monthly installments, total interest outgo, and total repayment amount if you take a home loan from DHFL for the tenure and loan amount considered here. You can check your home loan EMIs for different values with the help of the calculator given above.

Table Showing EMI, Interest Outgo, and Total Repayment Amount

Loan Amount Interest Rate Tenure Monthly Instalment Total Interest Amount Total Amount
₹ 30,00,000 9.05% 1 ₹ 2,62,424 ₹ 1,49,088 ₹ 31,49,088
₹ 30,00,000 9.05% 2 ₹ 1,37,123 ₹ 2,90,953 ₹ 32,90,953
₹ 30,00,000 9.05% 3 ₹ 95,469 ₹ 4,36,885 ₹ 34,36,885
₹ 30,00,000 9.05% 4 ₹ 74,726 ₹ 5,86,866 ₹ 35,86,866
₹ 30,00,000 9.05% 5 ₹ 62,348 ₹ 7,40,873 ₹ 37,40,873
₹ 30,00,000 9.05% 6 ₹ 54,151 ₹ 8,98,878 ₹ 38,98,878
₹ 30,00,000 9.05% 7 ₹ 48,343 ₹ 10,60,845 ₹ 40,60,845
₹ 30,00,000 9.05% 8 ₹ 44,028 ₹ 12,26,733 ₹ 42,26,733
₹ 30,00,000 9.05% 9 ₹ 40,708 ₹ 13,96,493 ₹ 43,96,493
₹ 30,00,000 9.05% 10 ₹ 38,084 ₹ 15,70,075 ₹ 45,70,075
₹ 30,00,000 9.05% 11 ₹ 35,965 ₹ 17,47,420 ₹ 47,47,420
₹ 30,00,000 9.05% 12 ₹ 34,225 ₹ 19,28,466 ₹ 49,28,466
₹ 30,00,000 9.05% 13 ₹ 32,777 ₹ 21,13,144 ₹ 51,13,144
₹ 30,00,000 9.05% 14 ₹ 31,556 ₹ 23,01,385 ₹ 53,01,385
₹ 30,00,000 9.05% 15 ₹ 30,517 ₹ 24,93,113 ₹ 54,93,113
₹ 30,00,000 9.05% 16 ₹ 29,626 ₹ 26,88,249 ₹ 56,88,249
₹ 30,00,000 9.05% 17 ₹ 28,856 ₹ 28,86,711 ₹ 58,86,711
₹ 30,00,000 9.05% 18 ₹ 28,187 ₹ 30,88,415 ₹ 60,88,415
₹ 30,00,000 9.05% 19 ₹ 27,602 ₹ 32,93,273 ₹ 62,93,273
₹ 30,00,000 9.05% 20 ₹ 27,088 ₹ 35,01,198 ₹ 65,01,198
₹ 30,00,000 9.05% 21 ₹ 26,635 ₹ 37,12,098 ₹ 67,12,098
₹ 30,00,000 9.05% 22 ₹ 26,234 ₹ 39,25,882 ₹ 69,25,882
₹ 30,00,000 9.05% 23 ₹ 25,878 ₹ 41,42,457 ₹ 71,42,457
₹ 30,00,000 9.05% 24 ₹ 25,562 ₹ 43,61,729 ₹ 73,61,729
₹ 30,00,000 9.05% 25 ₹ 25,279 ₹ 45,83,607 ₹ 75,83,607
₹ 30,00,000 9.05% 26 ₹ 25,026 ₹ 48,07,995 ₹ 78,07,995
₹ 30,00,000 9.05% 27 ₹ 24,799 ₹ 50,34,801 ₹ 80,34,801
₹ 30,00,000 9.05% 28 ₹ 24,595 ₹ 52,63,932 ₹ 82,63,932
₹ 30,00,000 9.05% 29 ₹ 24,412 ₹ 54,95,298 ₹ 84,95,298
₹ 30,00,000 9.05% 30 ₹ 24,247 ₹ 57,28,807 ₹ 87,28,807

EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

Year Principal Interest Balance Amount
1 ₹ 20,288 ₹ 2,70,672 ₹ 29,79,711
2 ₹ 22,202 ₹ 2,68,758 ₹ 29,57,509
3 ₹ 24,297 ₹ 2,66,663 ₹ 29,33,212
4 ₹ 26,589 ₹ 2,64,371 ₹ 29,06,623
5 ₹ 29,098 ₹ 2,61,862 ₹ 28,77,525
6 ₹ 31,843 ₹ 2,59,117 ₹ 28,45,681
7 ₹ 34,848 ₹ 2,56,112 ₹ 28,10,833
8 ₹ 38,135 ₹ 2,52,824 ₹ 27,72,697
9 ₹ 41,734 ₹ 2,49,226 ₹ 27,30,963
10 ₹ 45,671 ₹ 2,45,289 ₹ 26,85,291
11 ₹ 49,980 ₹ 2,40,980 ₹ 26,35,311
12 ₹ 54,696 ₹ 2,36,264 ₹ 25,80,614
13 ₹ 59,856 ₹ 2,31,103 ₹ 25,20,757
14 ₹ 65,504 ₹ 2,25,456 ₹ 24,55,253
15 ₹ 71,684 ₹ 2,19,275 ₹ 23,83,568
16 ₹ 78,448 ₹ 2,12,512 ₹ 23,05,120
17 ₹ 85,849 ₹ 2,05,110 ₹ 22,19,270
18 ₹ 93,949 ₹ 1,97,010 ₹ 21,25,320
19 ₹ 1,02,813 ₹ 1,88,146 ₹ 20,22,506
20 ₹ 1,12,514 ₹ 1,78,446 ₹ 19,09,992
21 ₹ 1,23,130 ₹ 1,67,830 ₹ 17,86,861
22 ₹ 1,34,747 ₹ 1,56,213 ₹ 16,52,114
23 ₹ 1,47,460 ₹ 1,43,499 ₹ 15,04,653
24 ₹ 1,61,373 ₹ 1,29,586 ₹ 13,43,279
25 ₹ 1,76,599 ₹ 1,14,361 ₹ 11,66,680
26 ₹ 1,93,261 ₹ 97,699 ₹ 9,73,418
27 ₹ 2,11,495 ₹ 79,465 ₹ 7,61,923
28 ₹ 2,31,450 ₹ 59,510 ₹ 5,30,472
29 ₹ 2,53,287 ₹ 37,673 ₹ 2,77,185
30 ₹ 2,77,366 ₹ 13,775 ₹ 0

### Conclusion

The DHFL Home Loan EMI Calculator is an invaluable tool for prospective homebuyers looking to understand their monthly repayment obligations. It provides a quick, accurate, and user-friendly way to estimate your EMI payments based on the loan amount, interest rate, and tenure. By using this calculator, individuals can plan their finances more effectively and choose a home loan that fits their budget and financial goals.