LIC Home Loan EMI Calculator 2026 - LIC Housing Finance | STOCKCALC.IN
Customized Loan Plan
₹10,00,000
₹1L₹1Cr
8.50%
5%20%
20 Years
1 Year30 Years
Monthly EMI
₹8,678
Total Interest
₹10,82,776
Total Payment
₹20,82,776
Loan Payment Breakdown
Principal
₹10,00,000
Interest
₹10,82,776
Amortization Schedule
Month-by-month breakdown of your loan repayment
| Year | Principal | Interest | Total Payment | Balance |
|---|---|---|---|---|
| Year 1 | ₹19,902 | ₹84,236 | ₹1,04,139 | ₹9,80,098 |
| Year 2 | ₹21,661 | ₹82,477 | ₹1,04,139 | ₹9,58,436 |
| Year 3 | ₹23,576 | ₹80,563 | ₹1,04,139 | ₹9,34,860 |
| Year 4 | ₹25,660 | ₹78,479 | ₹1,04,139 | ₹9,09,200 |
| Year 5 | ₹27,928 | ₹76,211 | ₹1,04,139 | ₹8,81,272 |
| Year 6 | ₹30,397 | ₹73,742 | ₹1,04,139 | ₹8,50,875 |
| Year 7 | ₹33,084 | ₹71,055 | ₹1,04,139 | ₹8,17,791 |
| Year 8 | ₹36,008 | ₹68,131 | ₹1,04,139 | ₹7,81,784 |
| Year 9 | ₹39,191 | ₹64,948 | ₹1,04,139 | ₹7,42,593 |
| Year 10 | ₹42,655 | ₹61,484 | ₹1,04,139 | ₹6,99,938 |
| Year 11 | ₹46,425 | ₹57,714 | ₹1,04,139 | ₹6,53,513 |
| Year 12 | ₹50,529 | ₹53,610 | ₹1,04,139 | ₹6,02,985 |
| Year 13 | ₹54,995 | ₹49,144 | ₹1,04,139 | ₹5,47,990 |
| Year 14 | ₹59,856 | ₹44,283 | ₹1,04,139 | ₹4,88,134 |
| Year 15 | ₹65,147 | ₹38,992 | ₹1,04,139 | ₹4,22,987 |
| Year 16 | ₹70,905 | ₹33,234 | ₹1,04,139 | ₹3,52,082 |
| Year 17 | ₹77,172 | ₹26,966 | ₹1,04,139 | ₹2,74,910 |
| Year 18 | ₹83,994 | ₹20,145 | ₹1,04,139 | ₹1,90,916 |
| Year 19 | ₹91,418 | ₹12,721 | ₹1,04,139 | ₹99,498 |
| Year 20 | ₹99,498 | ₹4,640 | ₹1,04,139 | ₹0 |
Master Your Home Loan
Ready to save up to ₹20 Lakhs in interest? Read our ultimate 2026 mathematical guide to Fixed vs Floating rates, CIBIL impacts, and smart prepayment strategies.
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