Vijaya Bank Home Loan EMI Calculator

Loan Amount (₹) ₹

₹ 50k ₹ 5Cr

Rate of Interest (%) %

6.0% 30.0%

Loan Tenure (years) Years

1 years 30 years

Principal Amount

Interest Amount

Monthly EMI

₹ 28,950.65

Principal Amount

₹ 30,00,000

Interest Amount

₹ 39,48,155.84

Tenure (Years)

20 Years

Total Amount

₹ 69,48,155.84

Your Amortization Details (Yearly/Monthly)

2024

Month	Principal Paid	Interest Charged	Total Payment	Balance
Aug	₹3,950.65	₹25,000.00	₹28,950.65	₹29,96,049.35
Sept	₹3,983.57	₹24,967.08	₹28,950.65	₹29,92,065.78
Oct	₹4,016.77	₹24,933.88	₹28,950.65	₹29,88,049.01
Nov	₹4,050.24	₹24,900.41	₹28,950.65	₹29,83,998.77
Dec	₹4,083.99	₹24,866.66	₹28,950.65	₹29,79,914.78

2025

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹4,118.03	₹24,832.62	₹28,950.65	₹29,75,796.75
Feb	₹4,152.34	₹24,798.31	₹28,950.65	₹29,71,644.41
Mar	₹4,186.95	₹24,763.70	₹28,950.65	₹29,67,457.46
Apr	₹4,221.84	₹24,728.81	₹28,950.65	₹29,63,235.63
May	₹4,257.02	₹24,693.63	₹28,950.65	₹29,58,978.61
Jun	₹4,292.49	₹24,658.16	₹28,950.65	₹29,54,686.11
Jul	₹4,328.27	₹24,622.38	₹28,950.65	₹29,50,357.85
Aug	₹4,364.33	₹24,586.32	₹28,950.65	₹29,45,993.51
Sept	₹4,400.70	₹24,549.95	₹28,950.65	₹29,41,592.81
Oct	₹4,437.38	₹24,513.27	₹28,950.65	₹29,37,155.43
Nov	₹4,474.35	₹24,476.30	₹28,950.65	₹29,32,681.08
Dec	₹4,511.64	₹24,439.01	₹28,950.65	₹29,28,169.44

2026

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹4,549.24	₹24,401.41	₹28,950.65	₹29,23,620.20
Feb	₹4,587.15	₹24,363.50	₹28,950.65	₹29,19,033.05
Mar	₹4,625.37	₹24,325.28	₹28,950.65	₹29,14,407.68
Apr	₹4,663.92	₹24,286.73	₹28,950.65	₹29,09,743.76
May	₹4,702.78	₹24,247.86	₹28,950.65	₹29,05,040.98
Jun	₹4,741.97	₹24,208.67	₹28,950.65	₹29,00,299.00
Jul	₹4,781.49	₹24,169.16	₹28,950.65	₹28,95,517.51
Aug	₹4,821.34	₹24,129.31	₹28,950.65	₹28,90,696.17
Sept	₹4,861.51	₹24,089.13	₹28,950.65	₹28,85,834.66
Oct	₹4,902.03	₹24,048.62	₹28,950.65	₹28,80,932.63
Nov	₹4,942.88	₹24,007.77	₹28,950.65	₹28,75,989.76
Dec	₹4,984.07	₹23,966.58	₹28,950.65	₹28,71,005.69

2027

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹5,025.60	₹23,925.05	₹28,950.65	₹28,65,980.08
Feb	₹5,067.48	₹23,883.17	₹28,950.65	₹28,60,912.60
Mar	₹5,109.71	₹23,840.94	₹28,950.65	₹28,55,802.89
Apr	₹5,152.29	₹23,798.36	₹28,950.65	₹28,50,650.60
May	₹5,195.23	₹23,755.42	₹28,950.65	₹28,45,455.37
Jun	₹5,238.52	₹23,712.13	₹28,950.65	₹28,40,216.85
Jul	₹5,282.18	₹23,668.47	₹28,950.65	₹28,34,934.68
Aug	₹5,326.19	₹23,624.46	₹28,950.65	₹28,29,608.48
Sept	₹5,370.58	₹23,580.07	₹28,950.65	₹28,24,237.90
Oct	₹5,415.33	₹23,535.32	₹28,950.65	₹28,18,822.57
Nov	₹5,460.46	₹23,490.19	₹28,950.65	₹28,13,362.11
Dec	₹5,505.97	₹23,444.68	₹28,950.65	₹28,07,856.14

2028

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹5,551.85	₹23,398.80	₹28,950.65	₹28,02,304.30
Feb	₹5,598.11	₹23,352.54	₹28,950.65	₹27,96,706.18
Mar	₹5,644.76	₹23,305.88	₹28,950.65	₹27,91,061.42
Apr	₹5,691.80	₹23,258.85	₹28,950.65	₹27,85,369.61
May	₹5,739.24	₹23,211.41	₹28,950.65	₹27,79,630.38
Jun	₹5,787.06	₹23,163.59	₹28,950.65	₹27,73,843.31
Jul	₹5,835.29	₹23,115.36	₹28,950.65	₹27,68,008.03
Aug	₹5,883.92	₹23,066.73	₹28,950.65	₹27,62,124.11
Sept	₹5,932.95	₹23,017.70	₹28,950.65	₹27,56,191.16
Oct	₹5,982.39	₹22,968.26	₹28,950.65	₹27,50,208.77
Nov	₹6,032.24	₹22,918.41	₹28,950.65	₹27,44,176.53
Dec	₹6,082.51	₹22,868.14	₹28,950.65	₹27,38,094.02

2029

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹6,133.20	₹22,817.45	₹28,950.65	₹27,31,960.82
Feb	₹6,184.31	₹22,766.34	₹28,950.65	₹27,25,776.51
Mar	₹6,235.85	₹22,714.80	₹28,950.65	₹27,19,540.66
Apr	₹6,287.81	₹22,662.84	₹28,950.65	₹27,13,252.85
May	₹6,340.21	₹22,610.44	₹28,950.65	₹27,06,912.64
Jun	₹6,393.04	₹22,557.61	₹28,950.65	₹27,00,519.60
Jul	₹6,446.32	₹22,504.33	₹28,950.65	₹26,94,073.28
Aug	₹6,500.04	₹22,450.61	₹28,950.65	₹26,87,573.24
Sept	₹6,554.21	₹22,396.44	₹28,950.65	₹26,81,019.04
Oct	₹6,608.82	₹22,341.83	₹28,950.65	₹26,74,410.21
Nov	₹6,663.90	₹22,286.75	₹28,950.65	₹26,67,746.32
Dec	₹6,719.43	₹22,231.22	₹28,950.65	₹26,61,026.88

2030

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹6,775.43	₹22,175.22	₹28,950.65	₹26,54,251.46
Feb	₹6,831.89	₹22,118.76	₹28,950.65	₹26,47,419.57
Mar	₹6,888.82	₹22,061.83	₹28,950.65	₹26,40,530.75
Apr	₹6,946.23	₹22,004.42	₹28,950.65	₹26,33,584.53
May	₹7,004.11	₹21,946.54	₹28,950.65	₹26,26,580.41
Jun	₹7,062.48	₹21,888.17	₹28,950.65	₹26,19,517.94
Jul	₹7,121.33	₹21,829.32	₹28,950.65	₹26,12,396.60
Aug	₹7,180.68	₹21,769.97	₹28,950.65	₹26,05,215.92
Sept	₹7,240.52	₹21,710.13	₹28,950.65	₹25,97,975.41
Oct	₹7,300.85	₹21,649.80	₹28,950.65	₹25,90,674.55
Nov	₹7,361.69	₹21,588.95	₹28,950.65	₹25,83,312.86
Dec	₹7,423.04	₹21,527.61	₹28,950.65	₹25,75,889.82

2031

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹7,484.90	₹21,465.75	₹28,950.65	₹25,68,404.92
Feb	₹7,547.28	₹21,403.37	₹28,950.65	₹25,60,857.64
Mar	₹7,610.17	₹21,340.48	₹28,950.65	₹25,53,247.47
Apr	₹7,673.59	₹21,277.06	₹28,950.65	₹25,45,573.88
May	₹7,737.53	₹21,213.12	₹28,950.65	₹25,37,836.35
Jun	₹7,802.01	₹21,148.64	₹28,950.65	₹25,30,034.34
Jul	₹7,867.03	₹21,083.62	₹28,950.65	₹25,22,167.31
Aug	₹7,932.59	₹21,018.06	₹28,950.65	₹25,14,234.72
Sept	₹7,998.69	₹20,951.96	₹28,950.65	₹25,06,236.03
Oct	₹8,065.35	₹20,885.30	₹28,950.65	₹24,98,170.68
Nov	₹8,132.56	₹20,818.09	₹28,950.65	₹24,90,038.12
Dec	₹8,200.33	₹20,750.32	₹28,950.65	₹24,81,837.79

2032

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹8,268.67	₹20,681.98	₹28,950.65	₹24,73,569.12
Feb	₹8,337.57	₹20,613.08	₹28,950.65	₹24,65,231.54
Mar	₹8,407.05	₹20,543.60	₹28,950.65	₹24,56,824.49
Apr	₹8,477.11	₹20,473.54	₹28,950.65	₹24,48,347.38
May	₹8,547.75	₹20,402.89	₹28,950.65	₹24,39,799.62
Jun	₹8,618.99	₹20,331.66	₹28,950.65	₹24,31,180.64
Jul	₹8,690.81	₹20,259.84	₹28,950.65	₹24,22,489.83
Aug	₹8,763.23	₹20,187.42	₹28,950.65	₹24,13,726.59
Sept	₹8,836.26	₹20,114.39	₹28,950.65	₹24,04,890.33
Oct	₹8,909.90	₹20,040.75	₹28,950.65	₹23,95,980.44
Nov	₹8,984.15	₹19,966.50	₹28,950.65	₹23,86,996.29
Dec	₹9,059.01	₹19,891.64	₹28,950.65	₹23,77,937.28

2033

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹9,134.51	₹19,816.14	₹28,950.65	₹23,68,802.77
Feb	₹9,210.63	₹19,740.02	₹28,950.65	₹23,59,592.15
Mar	₹9,287.38	₹19,663.27	₹28,950.65	₹23,50,304.76
Apr	₹9,364.78	₹19,585.87	₹28,950.65	₹23,40,939.99
May	₹9,442.82	₹19,507.83	₹28,950.65	₹23,31,497.17
Jun	₹9,521.51	₹19,429.14	₹28,950.65	₹23,21,975.66
Jul	₹9,600.85	₹19,349.80	₹28,950.65	₹23,12,374.81
Aug	₹9,680.86	₹19,269.79	₹28,950.65	₹23,02,693.95
Sept	₹9,761.53	₹19,189.12	₹28,950.65	₹22,92,932.42
Oct	₹9,842.88	₹19,107.77	₹28,950.65	₹22,83,089.54
Nov	₹9,924.90	₹19,025.75	₹28,950.65	₹22,73,164.64
Dec	₹10,007.61	₹18,943.04	₹28,950.65	₹22,63,157.03

2034

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹10,091.01	₹18,859.64	₹28,950.65	₹22,53,066.02
Feb	₹10,175.10	₹18,775.55	₹28,950.65	₹22,42,890.92
Mar	₹10,259.89	₹18,690.76	₹28,950.65	₹22,32,631.03
Apr	₹10,345.39	₹18,605.26	₹28,950.65	₹22,22,285.64
May	₹10,431.60	₹18,519.05	₹28,950.65	₹22,11,854.04
Jun	₹10,518.53	₹18,432.12	₹28,950.65	₹22,01,335.50
Jul	₹10,606.19	₹18,344.46	₹28,950.65	₹21,90,729.32
Aug	₹10,694.57	₹18,256.08	₹28,950.65	₹21,80,034.75
Sept	₹10,783.69	₹18,166.96	₹28,950.65	₹21,69,251.05
Oct	₹10,873.56	₹18,077.09	₹28,950.65	₹21,58,377.49
Nov	₹10,964.17	₹17,986.48	₹28,950.65	₹21,47,413.32
Dec	₹11,055.54	₹17,895.11	₹28,950.65	₹21,36,357.79

2035

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹11,147.67	₹17,802.98	₹28,950.65	₹21,25,210.12
Feb	₹11,240.57	₹17,710.08	₹28,950.65	₹21,13,969.55
Mar	₹11,334.24	₹17,616.41	₹28,950.65	₹21,02,635.32
Apr	₹11,428.69	₹17,521.96	₹28,950.65	₹20,91,206.63
May	₹11,523.93	₹17,426.72	₹28,950.65	₹20,79,682.70
Jun	₹11,619.96	₹17,330.69	₹28,950.65	₹20,68,062.74
Jul	₹11,716.79	₹17,233.86	₹28,950.65	₹20,56,345.95
Aug	₹11,814.43	₹17,136.22	₹28,950.65	₹20,44,531.51
Sept	₹11,912.89	₹17,037.76	₹28,950.65	₹20,32,618.63
Oct	₹12,012.16	₹16,938.49	₹28,950.65	₹20,20,606.47
Nov	₹12,112.26	₹16,838.39	₹28,950.65	₹20,08,494.20
Dec	₹12,213.20	₹16,737.45	₹28,950.65	₹19,96,281.01

2036

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹12,314.97	₹16,635.68	₹28,950.65	₹19,83,966.03
Feb	₹12,417.60	₹16,533.05	₹28,950.65	₹19,71,548.43
Mar	₹12,521.08	₹16,429.57	₹28,950.65	₹19,59,027.35
Apr	₹12,625.42	₹16,325.23	₹28,950.65	₹19,46,401.93
May	₹12,730.63	₹16,220.02	₹28,950.65	₹19,33,671.30
Jun	₹12,836.72	₹16,113.93	₹28,950.65	₹19,20,834.58
Jul	₹12,943.69	₹16,006.95	₹28,950.65	₹19,07,890.88
Aug	₹13,051.56	₹15,899.09	₹28,950.65	₹18,94,839.33
Sept	₹13,160.32	₹15,790.33	₹28,950.65	₹18,81,679.00
Oct	₹13,269.99	₹15,680.66	₹28,950.65	₹18,68,409.01
Nov	₹13,380.57	₹15,570.08	₹28,950.65	₹18,55,028.44
Dec	₹13,492.08	₹15,458.57	₹28,950.65	₹18,41,536.36

2037

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹13,604.51	₹15,346.14	₹28,950.65	₹18,27,931.85
Feb	₹13,717.88	₹15,232.77	₹28,950.65	₹18,14,213.96
Mar	₹13,832.20	₹15,118.45	₹28,950.65	₹18,00,381.76
Apr	₹13,947.47	₹15,003.18	₹28,950.65	₹17,86,434.29
May	₹14,063.70	₹14,886.95	₹28,950.65	₹17,72,370.60
Jun	₹14,180.89	₹14,769.75	₹28,950.65	₹17,58,189.70
Jul	₹14,299.07	₹14,651.58	₹28,950.65	₹17,43,890.63
Aug	₹14,418.23	₹14,532.42	₹28,950.65	₹17,29,472.41
Sept	₹14,538.38	₹14,412.27	₹28,950.65	₹17,14,934.03
Oct	₹14,659.53	₹14,291.12	₹28,950.65	₹17,00,274.50
Nov	₹14,781.70	₹14,168.95	₹28,950.65	₹16,85,492.80
Dec	₹14,904.88	₹14,045.77	₹28,950.65	₹16,70,587.92

2038

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹15,029.08	₹13,921.57	₹28,950.65	₹16,55,558.84
Feb	₹15,154.33	₹13,796.32	₹28,950.65	₹16,40,404.52
Mar	₹15,280.61	₹13,670.04	₹28,950.65	₹16,25,123.90
Apr	₹15,407.95	₹13,542.70	₹28,950.65	₹16,09,715.95
May	₹15,536.35	₹13,414.30	₹28,950.65	₹15,94,179.60
Jun	₹15,665.82	₹13,284.83	₹28,950.65	₹15,78,513.78
Jul	₹15,796.37	₹13,154.28	₹28,950.65	₹15,62,717.42
Aug	₹15,928.00	₹13,022.65	₹28,950.65	₹15,46,789.41
Sept	₹16,060.74	₹12,889.91	₹28,950.65	₹15,30,728.67
Oct	₹16,194.58	₹12,756.07	₹28,950.65	₹15,14,534.10
Nov	₹16,329.53	₹12,621.12	₹28,950.65	₹14,98,204.57
Dec	₹16,465.61	₹12,485.04	₹28,950.65	₹14,81,738.95

2039

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹16,602.82	₹12,347.82	₹28,950.65	₹14,65,136.13
Feb	₹16,741.18	₹12,209.47	₹28,950.65	₹14,48,394.95
Mar	₹16,880.69	₹12,069.96	₹28,950.65	₹14,31,514.26
Apr	₹17,021.36	₹11,929.29	₹28,950.65	₹14,14,492.89
May	₹17,163.21	₹11,787.44	₹28,950.65	₹13,97,329.68
Jun	₹17,306.24	₹11,644.41	₹28,950.65	₹13,80,023.45
Jul	₹17,450.45	₹11,500.20	₹28,950.65	₹13,62,573.00
Aug	₹17,595.87	₹11,354.77	₹28,950.65	₹13,44,977.12
Sept	₹17,742.51	₹11,208.14	₹28,950.65	₹13,27,234.61
Oct	₹17,890.36	₹11,060.29	₹28,950.65	₹13,09,344.25
Nov	₹18,039.45	₹10,911.20	₹28,950.65	₹12,91,304.81
Dec	₹18,189.78	₹10,760.87	₹28,950.65	₹12,73,115.03

2040

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹18,341.36	₹10,609.29	₹28,950.65	₹12,54,773.67
Feb	₹18,494.20	₹10,456.45	₹28,950.65	₹12,36,279.47
Mar	₹18,648.32	₹10,302.33	₹28,950.65	₹12,17,631.15
Apr	₹18,803.72	₹10,146.93	₹28,950.65	₹11,98,827.43
May	₹18,960.42	₹9,990.23	₹28,950.65	₹11,79,867.01
Jun	₹19,118.42	₹9,832.23	₹28,950.65	₹11,60,748.58
Jul	₹19,277.74	₹9,672.90	₹28,950.65	₹11,41,470.84
Aug	₹19,438.39	₹9,512.26	₹28,950.65	₹11,22,032.45
Sept	₹19,600.38	₹9,350.27	₹28,950.65	₹11,02,432.07
Oct	₹19,763.72	₹9,186.93	₹28,950.65	₹10,82,668.35
Nov	₹19,928.41	₹9,022.24	₹28,950.65	₹10,62,739.94
Dec	₹20,094.48	₹8,856.17	₹28,950.65	₹10,42,645.45

2041

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹20,261.94	₹8,688.71	₹28,950.65	₹10,22,383.52
Feb	₹20,430.79	₹8,519.86	₹28,950.65	₹10,01,952.73
Mar	₹20,601.04	₹8,349.61	₹28,950.65	₹9,81,351.69
Apr	₹20,772.72	₹8,177.93	₹28,950.65	₹9,60,578.97
May	₹20,945.82	₹8,004.82	₹28,950.65	₹9,39,633.14
Jun	₹21,120.37	₹7,830.28	₹28,950.65	₹9,18,512.77
Jul	₹21,296.38	₹7,654.27	₹28,950.65	₹8,97,216.39
Aug	₹21,473.85	₹7,476.80	₹28,950.65	₹8,75,742.55
Sept	₹21,652.79	₹7,297.85	₹28,950.65	₹8,54,089.75
Oct	₹21,833.23	₹7,117.41	₹28,950.65	₹8,32,256.52
Nov	₹22,015.18	₹6,935.47	₹28,950.65	₹8,10,241.34
Dec	₹22,198.64	₹6,752.01	₹28,950.65	₹7,88,042.70

2042

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹22,383.63	₹6,567.02	₹28,950.65	₹7,65,659.08
Feb	₹22,570.16	₹6,380.49	₹28,950.65	₹7,43,088.92
Mar	₹22,758.24	₹6,192.41	₹28,950.65	₹7,20,330.68
Apr	₹22,947.89	₹6,002.76	₹28,950.65	₹6,97,382.78
May	₹23,139.13	₹5,811.52	₹28,950.65	₹6,74,243.66
Jun	₹23,331.95	₹5,618.70	₹28,950.65	₹6,50,911.70
Jul	₹23,526.39	₹5,424.26	₹28,950.65	₹6,27,385.32
Aug	₹23,722.44	₹5,228.21	₹28,950.65	₹6,03,662.88
Sept	₹23,920.13	₹5,030.52	₹28,950.65	₹5,79,742.76
Oct	₹24,119.46	₹4,831.19	₹28,950.65	₹5,55,623.30
Nov	₹24,320.46	₹4,630.19	₹28,950.65	₹5,31,302.84
Dec	₹24,523.13	₹4,427.52	₹28,950.65	₹5,06,779.72

2043

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹24,727.49	₹4,223.16	₹28,950.65	₹4,82,052.23
Feb	₹24,933.55	₹4,017.10	₹28,950.65	₹4,57,118.68
Mar	₹25,141.33	₹3,809.32	₹28,950.65	₹4,31,977.36
Apr	₹25,350.84	₹3,599.81	₹28,950.65	₹4,06,626.52
May	₹25,562.10	₹3,388.55	₹28,950.65	₹3,81,064.42
Jun	₹25,775.11	₹3,175.54	₹28,950.65	₹3,55,289.31
Jul	₹25,989.91	₹2,960.74	₹28,950.65	₹3,29,299.40
Aug	₹26,206.49	₹2,744.16	₹28,950.65	₹3,03,092.92
Sept	₹26,424.88	₹2,525.77	₹28,950.65	₹2,76,668.04
Oct	₹26,645.08	₹2,305.57	₹28,950.65	₹2,50,022.96
Nov	₹26,867.12	₹2,083.52	₹28,950.65	₹2,23,155.84
Dec	₹27,091.02	₹1,859.63	₹28,950.65	₹1,96,064.82

2044

Month	Principal Paid	Interest Charged	Total Payment	Balance
Jan	₹27,316.78	₹1,633.87	₹28,950.65	₹1,68,748.04
Feb	₹27,544.42	₹1,406.23	₹28,950.65	₹1,41,203.63
Mar	₹27,773.95	₹1,176.70	₹28,950.65	₹1,13,429.67
Apr	₹28,005.40	₹945.25	₹28,950.65	₹85,424.27
May	₹28,238.78	₹711.87	₹28,950.65	₹57,185.49
Jun	₹28,474.10	₹476.55	₹28,950.65	₹28,711.39
Jul	₹28,711.39	₹239.26	₹28,950.65	₹0.00

NOTE: As of 1st April 2019, Vijaya Bank has been merged with Bank of Baroda and discontinued its operations as an independent entity.

Highlights

Know your home loan EMIs in advance.
Check whether the EMI is within your budget or not.

With the help of a loan EMI calculator, you can check your monthly installments in advance and hence manage other finances accordingly. Vijaya Bank is among the few banks that offers customer-friendly home loans so that you can enjoy the stay in your home and feel less affected by the EMI payments. Below is an example showing the payment system for default value of home loans. You can change the value to know which combination would be suitable to you.