v3.3
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Combined total of car loan, personal loan, credit card minimum payments etc.
⚙️ Advanced Options (for professionals)
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📋 LTV Slabs (RBI Norms)
Loan up to ₹30 Lakh:%
₹30L - ₹75L:
%
Above ₹75 Lakh:
%
📋 FOIR Slabs (Income-based)
Up to ₹25,000:%
₹25,001 - ₹50,000:
%
₹50,001 - ₹1,00,000:
%
Above ₹1,00,000:
%
💡 Direct Override (skip slab logic)
Custom LTV %:%
Custom FOIR %:
%
💡 Leave Custom LTV / FOIR empty to use slab values above. Type a single value to override slab logic for one calculation.
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Your Loan Summary
Eligible Loan
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Monthly EMI
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Total Interest
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Total Payable
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Home Loan Subsidy
About the Subsidy: Pradhan Mantri Awas Yojana — Urban 2.0 (PMAY-U 2.0) provides a 4% interest subsidy on the first ₹8 lakh of home loan for up to 12 years, with a maximum subsidy of ₹1.80 lakh credited upfront to your loan account.
📄 View Full Eligibility Conditions
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To qualify for PMAY-U 2.0 Home Loan Subsidy, ALL of the following must be true:
- You (and your family) do not own any pucca house anywhere in India (except the one being acquired/constructed).
- You (and your family) have not availed any housing scheme benefit from Central/State/Local government in the last 20 years.
- Annual household income is up to ₹9,00,000 (EWS: ≤₹3L, LIG: ₹3-6L, MIG: ₹6-9L).
- Home loan amount is up to ₹25,00,000.
- House value is up to ₹35,00,000.
- Carpet area is up to 120 sq.m (1291 sq.ft).
- Property is located in an urban area covered under PMAY-U 2.0.
- Home loan is/will be sanctioned on or after 1 September 2024 with a tenure of at least 5 years.
📊 View Year-wise Repayment Schedule
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Shows how each yearly EMI is split between principal & interest, with outstanding balance.
| Year | Principal Paid | Interest Paid | Total Payment | Balance | Loan Paid |
|---|