Piramal Capital EMI Calculator

You are Eligible for EMI Amount
56,409
Principal Amount
6,500,000
Interest Amount
7,038,042
Why Suganta for Home Loan?
  • Offers from 34+ Banks
  • Lowest Interest Rate
  • Highest Loan Value
8,000,000₹
8.5 p.a
20 years

You are Eligible for EMI Amount

0
Principal Amount
0
Interest Amount
7,038,042
Why Suganta for Home Loan?
  • Offers from 34+ Banks
  • Lowest Interest Rate
  • Highest Loan Value

Need a more accurate EMI estimate?

Your Repayment Details


Piramal Capital Home Loan EMI Calculator- SuGanta

Understanding your repayment plan before applying for a home loan is essential. With the Piramal Capital Home Loan EMI Calculator on SuGanta, you can instantly calculate your monthly EMIs and plan your budget with clarity. Whether you're buying your first home or switching lenders through a balance transfer, this tool helps you determine how much you’ll pay each month. It provides precise results based on your loan amount, interest rate, and tenure—ensuring you borrow within your means and avoid financial surprises down the line.

How the Piramal EMI Calculator Helps You

The Piramal EMI Calculator is designed to support informed financial decision-making. Instead of manually estimating your EMIs, simply input your loan details and let the tool do the math. You’ll instantly get a full picture of your monthly obligations, total repayment, and total interest payable. Whether you’re comparing loan options or fine-tuning your budget, this tool offers valuable insights at every stage of your home loan journey. And because it's built by SuGanta, it’s completely free, accessible anytime, and easy to use across all devices.

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How to Use the Home Loan EMI Calculator

Using this tool takes less than a minute. Just follow these steps:

  • Enter Loan Amount: Input the amount you plan to borrow from Piramal Capital.​
  • Choose Loan Tenure: Select the duration (in years) over which you want to repay the loan. ​
  • Add Interest Rate: Use the current or expected home loan interest rate. ​
  • Click Calculate : The EMI will appear instantly, along with total interest and repayment. ​

You can tweak the values anytime to test different combinations and find the most affordable EMI for your financial needs.

Formula Used to Calculate EMI

Our calculator is based on a standardized mathematical formula used by banks and lenders:

EMI = [P × R × (1 + R)^N] / [(1 + R)^N – 1]

Where:

  1. P = Loan Amount (Principal)
  2. R = Monthly Interest Rate (Annual ÷ 12 ÷ 100)
  3. N = Total Number of Monthly EMIs

This formula ensures your EMI is calculated accurately, taking both principal and interest into account over the full loan tenure.

Sample EMI Breakdown – ₹65 Lakhs, 10 Years, 8.50% Interest

Year Opening Balance (₹) EMI × 12 (₹) Interest Paid (₹) Principal Paid (₹) Closing Balance (₹)
1 ₹65,00,000 ₹9,67,140 ₹5,44,250 ₹4,22,890 ₹60,77,110
2 ₹60,77,110 ₹9,67,140 ₹5,07,261 ₹4,59,879 ₹56,17,231
3 ₹56,17,231 ₹9,67,140 ₹4,68,466 ₹4,98,674 ₹51,18,557
4 ₹51,18,557 ₹9,67,140 ₹4,27,739 ₹5,39,401 ₹45,79,156
5 ₹45,79,156 ₹9,67,140 ₹3,84,943 ₹5,82,197 ₹39,96,959
6 ₹39,96,959 ₹9,67,140 ₹3,39,933 ₹6,27,207 ₹33,69,752
7 ₹33,69,752 ₹9,67,140 ₹2,92,564 ₹6,74,576 ₹26,95,176
8 ₹26,95,176 ₹9,67,140 ₹2,42,684 ₹7,24,456 ₹19,70,720
9 ₹19,70,720 ₹9,67,140 ₹1,90,134 ₹7,77,006 ₹11,93,714
10 ₹11,93,714 ₹9,67,140 ₹1,34,708 ₹8,32,432 ₹0

These values are illustrative. Actual EMI may vary slightly based on processing and loan structure.

Why Choose Piramal Capital & Housing Finance?

Piramal Capital & Housing Finance offers tailored home loan solutions designed for modern borrowers. With competitive interest rates, flexible terms, and a wide range of options including balance transfer and top-up loans, it has become a popular choice across India. Whether you’re salaried or self-employed, Piramal provides smooth documentation, quick disbursal, and excellent support. And when you combine these benefits with SuGanta’s digital tools, the entire loan planning experience becomes efficient, transparent, and stress-free.

Start Your Loan Journey Today with SuGanta

Don’t wait to find out how much you’ll repay. Use SuGanta’s Piramal Home Loan EMI Calculator today and take control of your finances. The tool is ideal for exploring your options, comparing interest rates, and applying with confidence. Plus, with access to pre-approved offers and live eligibility checks, SuGanta makes your journey from loan planning to approval seamless. Start now and make your dream of owning a home a well-planned financial reality.

 

Frequently Asked Questions

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The Piramal Capital Home Loan EMI Calculator is an online tool designed to help potential borrowers estimate their monthly loan repayments. It calculates the Equated Monthly Installment (EMI) based on the loan amount, interest rate, and loan tenure.
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As of 2025, Piramal Capital offers home loan interest rates starting from 9.50% per annum for pre-approved loans. The exact rate may vary based on factors such as your credit score, loan amount, and tenure.
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Piramal Capital offers home loans ranging from ₹5 lakhs to ₹2 crores. The exact amount you’re eligible for depends on factors such as your income, credit score, and the property’s value.
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Piramal Capital provides home loans with a maximum tenure of up to 30 years. This extended period allows for lower EMIs, making repayment more manageable for borrowers.
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A longer loan tenure generally results in lower monthly EMIs but higher overall interest payments. Conversely, a shorter tenure leads to higher EMIs but lower total interest outgo. Use the EMI calculator to compare different scenarios.
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Yes, Piramal Capital allows prepayments on home loans. However, specific terms and conditions may apply. It’s advisable to check the current prepayment policy with a Piramal Capital representative.

Contact Us

Have any queries? We’d love to hear from you.

📞 Call us: +91 7065663434

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