Home loan calculator

The repo rate went up. What happens to your home loan?

On 7 October 2026 the RBI raised the repo rate by 0.25 percentage point, from 5.25% to 5.50%. On a floating-rate home loan your lender then has two ways to pass it on: a higher EMI for the same number of years, or the same EMI for more years. Enter your loan to see what each one costs.

Your loan

Use what you owe today and the years you have left, not the original loan.

One basis point is 0.01 percentage point, so 25 basis points is 0.25%. The starting values are an example, not any lender’s rate. Your rate is your lender’s benchmark plus your own margin; the rise passes through at your next reset date.

If you had fewer or more years left

Same balance, rate and rise as above. The stretch grows quickly with the years left, because the extra interest has longer to compound.

Years left	EMI now	EMI rises by	Extra months, same EMI	Extra interest, higher EMI	Extra interest, same EMI

What this does and does not tell you

It is an estimate. Your lender’s letter or app shows the real figures; they can differ a little by rounding and by the lender’s reset date.
It assumes the new rate lasts for the rest of the loan, with no further rate changes, part-payments or fees. Rates move both ways.
It does not say which option to choose. A higher EMI costs less overall; a longer tenure eases this month’s budget and costs more later. That depends on your own cash flow.
If you stretch the tenure, paying a part-payment on a floating-rate loan can bring the end date back. Check your lender’s terms.
Read the full explanation: The RBI raised the repo rate. Higher EMI or longer tenure on your home loan?

Educational estimate only; not investment, loan or tax advice. The calculation runs in your browser and nothing you type is stored or sent.