NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
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All Calculators

Loan Optimizer

Loan Prepayment Calculator

See how much interest you save and how many years you cut by making smart prepayments on your loan.

Loan Details

₹
₹1,00,000₹10,00,00,000
% p.a.
1 % p.a.25 % p.a.
Years
1 Years30 Years

Prepayment Strategy

₹
₹10,000₹10,00,00,000
of 20
1 of 2020 of 20
Monthly EMI
₹43,391
Interest Saved
₹7.29 L
by prepaying ₹2.00 L total
Tenure Reduction
1 Year 9 Months
Interest Without
₹54.14 L
Interest With
₹46.84 L

Results

Key Insight

A one-time prepayment of ₹2.00 L in Year 2 saves you ₹7.29 L in interest and reduces your loan tenure by 1 Year 9 Months. Your total repayment drops from ₹1.04 Cr to ₹96.84 L.

Interest Saved
₹7.29 L
13.5% less interest paid
Tenure Reduced
1 Year 9 Months
18 Yrs 3 Mo instead of 20 Yrs 0 Mo
Monthly EMI
₹43,391
EMI stays same, tenure reduces

Outstanding Loan Balance

See how your balance drops faster with prepayment

Without Prepayment
With Prepayment

Year-by-Year Interest Comparison

Interest paid each year with and without prepayment

Comparison Summary

Side-by-side: Without vs With Prepayment

MetricWithout PrepaymentWith PrepaymentBenefit
Total Interest Paid₹54.14 L₹46.84 L₹7.29 L saved
Total Amount Paid₹1.04 Cr₹96.84 L₹7.29 L less
Loan Tenure20 Yrs 0 Mo18 Yrs 3 Mo1 Year 9 Months saved
Monthly EMI₹43,391₹43,391Same EMI
Total Prepayment---₹2.00 L365% return on prepayment

Year-by-Year Amortization

With prepayment schedule showing principal, interest, and prepayments

YearOpeningPrincipalInterestPrepaidClosing
Yr 1
₹50.00 L₹99,511₹4.21 L---₹49.00 L
Yr 2Prepaid
₹49.00 L₹1.26 L₹3.95 L₹2.00 L₹45.75 L
Yr 3
₹45.75 L₹1.37 L₹3.84 L---₹44.37 L
Yr 4
₹44.37 L₹1.49 L₹3.71 L---₹42.88 L
Yr 5
₹42.88 L₹1.62 L₹3.58 L---₹41.26 L
Yr 6
₹41.26 L₹1.77 L₹3.44 L---₹39.49 L
Yr 7
₹39.49 L₹1.92 L₹3.28 L---₹37.56 L
Yr 8
₹37.56 L₹2.09 L₹3.11 L---₹35.47 L
Yr 9
₹35.47 L₹2.28 L₹2.93 L---₹33.19 L
Yr 10
₹33.19 L₹2.48 L₹2.73 L---₹30.71 L
Yr 11
₹30.71 L₹2.70 L₹2.51 L---₹28.01 L
Yr 12
₹28.01 L₹2.94 L₹2.27 L---₹25.07 L
Yr 13
₹25.07 L₹3.20 L₹2.01 L---₹21.87 L
Yr 14
₹21.87 L₹3.48 L₹1.73 L---₹18.39 L
Yr 15
₹18.39 L₹3.79 L₹1.42 L---₹14.60 L
Yr 16
₹14.60 L₹4.12 L₹1.08 L---₹10.48 L
Yr 17
₹10.48 L₹4.49 L₹71,851---₹5.99 L
Yr 18
₹5.99 L₹4.89 L₹32,177---₹1.11 L
Yr 19
₹1.11 L₹1.11 L₹1,441---Loan Closed
Total---₹48.00 L₹46.84 L₹2.00 L---

Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.

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