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Loan against property EMI calculator

The most you can borrow against a property is its value times the lender's loan-to-value ratio, and the EMI follows the standard formula: ₹40,00,000 over 10 years at an example 14% is ₹62,107 a month. Enter your figures to see both.

Try it now

Work out your loan against property EMI

Enter the property's value, the LTV your lender quotes and the loan you want. The boxes open on an example.

Market value of the property ₹

A lender usually lends against its own valuation.

Loan-to-value (LTV) your lender offers %

Each lender sets its own. The example assumes 50%, not a lender's figure.

Loan you want ₹

Interest rate % a year

An example rate, not a market rate. Use your lender's quote if you have one.

Tenure months

Your EMI ₹62,107

These are the example figures. Change any box to use your own.

At this LTV the property supports a loan of up to ₹50,00,000. The EMI is on ₹40,00,000 over 120 months.

Total interest: ₹34,52,789
Total repaid: ₹74,52,789
Loan as a share of the value: 40%

Year by year
Year	Principal	Interest	Balance
1	₹1,97,642	₹5,47,637	₹38,02,358
2	₹2,27,159	₹5,18,120	₹35,75,199
3	₹2,61,083	₹4,84,196	₹33,14,116
4	₹3,00,074	₹4,45,205	₹30,14,042
5	₹3,44,887	₹4,00,392	₹26,69,155
6	₹3,96,393	₹3,48,886	₹22,72,762
7	₹4,55,592	₹2,89,687	₹18,17,170
8	₹5,23,631	₹2,21,648	₹12,93,540
9	₹6,01,831	₹1,43,448	₹6,91,709
10	₹6,91,709	₹53,570	₹0

Indicative. Lenders decide the amount, the LTV and the rate.

How it is calculated

The LTV cap and the EMI formula

How much the property supports

most you can borrow = property value × LTV

LTV, the loan-to-value ratio, is the loan as a share of the property's value. Each lender sets its own LTV for loan against property, and usually applies it to its own valuation.

The EMI

EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)

P is the lower of the loan you want and the most the property supports, r is the yearly rate divided by 12 and by 100, and n is the tenure in months.

Worked example

Worked example: a property valued at ₹1,00,00,000

Example figures, not an offer: an assumed LTV of 50%, an example rate of 14% a year and a tenure of 10 years.

Loan against property worked step by step
Step	Working	Result
Most the property supports	₹1,00,00,000 × 50%	₹50,00,000
Loan	₹40,00,000 wanted, within the cap	₹40,00,000
EMI	The EMI formula at 14% over 120 months	₹62,107
Total interest	₹62,107 × 120 minus ₹40,00,000	₹34,52,789

If you asked for ₹60,00,000 on the same property, the loan would be capped at ₹50,00,000, with an EMI of ₹77,633. To borrow more, a lender would need a higher LTV or more security.

Know the limits

Limits of this calculator

It uses the value you enter. A lender usually lends against its own valuation.
It holds the rate for the whole tenure. A floating rate can change.
It does not check whether your income or business cash flow can carry the EMI. The business loan eligibility calculator and the DSCR calculator do.
It leaves out the processing fee, valuation and legal charges. The lender's Key Facts Statement shows them in the APR.

Good to know

Questions and answers

Straight answers on the method, the sources and what the numbers do and do not mean.

How is the EMI on a loan against property calculated?

With the standard reducing-balance EMI formula: EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where r is the yearly rate divided by 12 and by 100, and n is the months. On ₹40,00,000 over 10 years at an example 14% a year, the EMI is ₹62,107.

How much loan can I get against my property?

The lender multiplies the property's value by its loan-to-value ratio (LTV). At an assumed LTV of 50%, a property valued at ₹1,00,00,000 supports a loan of up to ₹50,00,000. The lender also checks that your income or business cash flow can carry the EMI.

What is LTV in a loan against property?

LTV, the loan-to-value ratio, is the loan as a share of the property's value. Each lender sets its own LTV for loan against property, and it can differ by property type and by the lender's own valuation. Use the LTV your lender quotes.

Whose valuation decides the loan amount?

Usually the lender's own. Lenders generally have the property valued, and the LTV applies to that value rather than to the price you paid or a broker's estimate. Ask your lender how it values the property.

Does a longer tenure lower the EMI on a loan against property?

Yes, but it raises the total interest. On ₹40,00,000 at 14%, the EMI is ₹93,073 over 5 years and ₹62,107 over 10 years.

Does this calculator affect my CIBIL score?

No. It makes no credit enquiry and asks for no name, phone number or PAN. CIBIL is the credit bureau whose score and report lenders check. Like every page on this site, it uses the analytics described in our Privacy Policy and Cookie policy.

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Sources

How to read these figures

Capnix is not a lender. Rates, amounts and approvals are decided by lenders. Rates shown here are examples, not offers.

EMI: the standard reducing-balance formula, a mathematical identity.
Loan-to-value: each lender's own figure. The example LTV is an assumption for the arithmetic, not a lender's figure.

Last checked: 02-Oct-2026.

The property is one part of the file. Lenders read the whole file.

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