HomeFirst Finance Company Home Loan EMI Calculator
If you're considering a home loan from HomeFirst Finance Company (HFFC), one of the smartest
steps you can take before applying is calculating your monthly EMI. Knowing your
EMI in advance helps you assess how much loan you can afford and what repayment plan suits
you best.
SuGanta brings you a smart EMI
calculator designed specifically for HFFC borrowers. It’s
simple, fast, and gives you all the numbers you need—monthly payments, total interest, and the
full repayment amount—based on your input values.
Start with Just 3 Simple Inputs
To calculate your EMI using SuGanta's tool, you'll need three basic details:
Once these are entered, the calculator does the math and gives you a real-time result. It’s
accurate, instant, and requires no login or personal details—ideal for both early planners and
ready-to-apply borrowers.
The Math Behind the EMI
Wondering how your EMI is calculated?
We use the industry-standard formula:
EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]
Where:
- P is the loan amount
- R is the monthly interest rate
- N is the total number of monthly payments
This formula ensures that your EMI includes both principal repayment and interest, giving you
a fixed amount to pay each month. What changes over time is the proportion of principal and
interest in each payment.
Get Matching Home Loan Offers Here
What Does a 10-Year Home Loan Look Like?
Choosing a 10-year tenure is ideal if you're looking to repay your home loan faster while
saving
on interest. With HFFC interest rates typically starting around 11.90% per annum, a
₹50,00,000
loan for 10 years results in a monthly EMI of approximately ₹71,402.
Want to understand how your loan gets repaid over time? Check this sample amortization
breakdown based on this tenure:
Sample Amortization – ₹50 Lakhs, 10 Years, 11.90% Interest
| Year |
Opening Balance (₹) |
Annual EMI (₹) |
Interest Paid (₹) |
Principal Paid (₹) |
Closing Balance (₹) |
| 1 |
50,00,000 |
8,56,824 |
5,92,250 |
2,64,574 |
47,35,426 |
| 2 |
47,35,426 |
8,56,824 |
5,63,063 |
2,93,761 |
44,41,665 |
| 3 |
44,41,665 |
8,56,824 |
5,28,527 |
3,28,297 |
41,13,368 |
| 4 |
41,13,368 |
8,56,824 |
4,88,785 |
3,68,039 |
37,45,329 |
| 5 |
37,45,329 |
8,56,824 |
4,43,007 |
4,13,817 |
33,31,512 |
| 6 |
33,31,512 |
8,56,824 |
3,90,306 |
4,66,518 |
28,64,994 |
| 7 |
28,64,994 |
8,56,824 |
3,29,729 |
5,27,095 |
23,37,899 |
| 8 |
23,37,899 |
8,56,824 |
2,60,258 |
5,96,566 |
17,41,333 |
| 9 |
17,41,333 |
8,56,824 |
1,80,800 |
6,76,024 |
10,65,309 |
| 10 |
10,65,309 |
8,56,824 |
90,326 |
7,66,498 |
0 |
Note: These numbers are indicative based on a constant 11.90% rate. Actual EMIs
may vary depending on HFFC's processing and interest calculation methods.
Why Use SuGanta’s HFFC EMI Calculator?
Most people focus on just the interest rate—but your tenure and EMI are what affect your cash
flow every month. SuGanta’s EMI calculator is designed to make home loan planning easier.
Whether you're choosing between a 10-year or 20-year term, or comparing rates from HFFC
and other banks, this tool gives you instant clarity—no spreadsheet, no login, no fuss.
Check affordability in real time
Compare EMI vs. interest savings on shorter tenure
Plan prepayments or balance transfers better
Stay informed and avoid over-borrowing
A Quick Snapshot of HomeFirst Finance Loans
HomeFirst Finance Company is known for helping first-time buyers, especially in semi-urban
and affordable housing markets. Here’s why they’re a borrower-friendly choice:
- Interest rates starting from 11.90% p.a.
- Loan amounts up to 90% of property value
- Flexible repayment tenure up to 25 years
- Quick approvals and minimal documentation
- Transparent service, ideal for salaried & self-employed borrowers
SuGanta gives you access to their latest loan offers and makes it easier to compare them with
other NBFCs.
Final Thought – Plan First, Apply Smart
Before you apply for a home loan, calculate your EMI using SuGanta’s HomeFirst Finance EMI
Calculator. It gives you a full picture of how your loan will play out—especially over a 10-year
period. Whether your priority is faster loan closure, lower interest burden, or long-term flexibility,
understanding your EMI helps you decide with confidence.
Don’t just borrow. Plan it. Compare it. Own it—with SuGanta.
Get Started Today – No Sign-Up Required
Why wait to find out what your EMI might be? Head over to SuGanta’s HomeFirst Finance EMI
Calculator and start planning today. Whether you're applying soon or just doing research, this
tool will help you figure out what fits your monthly budget.
And if you're still exploring, SuGanta allows you to compare loan offers, check your eligibility
online, and even apply directly to top lenders. One tool. Multiple decisions made easier.