Loan prepayment calculator

See how much interest a part-prepayment could save, and compare shortening the tenure with lowering the EMI.

Outstanding principal (₹)

Interest rate (% p.a.)

Remaining EMIs

Prepayment amount (₹)

Prepayment charge (%)

Often 0 on floating-rate loans to individuals — check your agreement.

Illustrative

Keep the EMI, shorten the loan

Interest saved₹4,78,224

EMIs fewer33 (2 yr 9 mo)

Keep the tenure, lower the EMI

New EMI₹18,256.80

Interest saved₹1,65,137

Go further with your real loans

Save your loans, see all EMIs in one calendar, and explore rate and prepayment scenarios on your actual balances.

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DeciLoan provides informational, analytical and planning assistance. It does not guarantee lender decisions, loan approvals, interest-rate reductions or financial outcomes. Please verify important decisions with your lender or a qualified professional.