EMIPlan Blog

Free guides on home loan, car loan and personal loan EMIs — with real numbers for Indian borrowers.

EMI for ₹50 Lakh Home Loan at 8.5% for 20 Years

Full breakdown with tenure and rate comparison tables. Includes prepayment savings example.

Monthly EMI: ₹43,391

EMI for ₹40 Lakh Home Loan at 8.5% for 20 Years

Tenure and rate comparison tables, plus a prepayment example showing over ₹12 lakh in potential savings.

Monthly EMI: ₹34,713

EMI for ₹30 Lakh Home Loan at 8.5% for 20 Years

Detailed EMI guide for India's most common home loan size. Rate negotiation tips included.

Monthly EMI: ₹26,035

Fixed vs Floating Home Loan Interest Rate - Which Should You Choose?

See exactly what happens to your EMI or tenure when a floating rate changes, with a worked example.

Real numbers on a 0.5% rate change

Car Loan EMI for ₹10 Lakh at 9.25% for 5 Years

On-road price guide, tenure comparison and tips to get the best car loan rate in India.

Monthly EMI: ₹20,880

EMI for ₹5 Lakh Personal Loan at 11.5% for 3 Years

Tenure and rate comparison tables, prepayment savings, and tips to reduce your total interest.

Monthly EMI: ₹16,488

What is EMI? Complete Guide to How Loan EMI Works

EMI meaning, the formula banks use, flat rate vs reducing balance, and why your EMI's composition changes every month.

Start here if you're new to EMIs

Home Loan Tax Benefits: Section 80C & Section 24 Explained

How much tax you can save under Section 24(b) and Section 80C, old regime vs new regime, with a worked example.

Up to ₹3.5 lakh in deductions, old regime

Financial Planning

Should You Close Your Home Loan Early or Invest the Extra Money?

Real numbers: investing ₹5,000/month beats prepayment by ₹9.8 lakhs over 15 years — but it depends on your risk profile.

Data-driven framework for Indian borrowers

Financial Planning

Home Loan vs Personal Loan for Home Renovation - Which Is Better?

A ₹10 lakh renovation compared: home loan top-up vs personal loan, with EMI, interest and total cost differences.

Save up to ₹74,000 with the right choice

More articles coming soon. Use the EMIPlan calculator to compute your exact EMI for any loan amount, rate and tenure.