Aditya Birla home loan calculator helps you plan your monthly payments effortlessly. By entering loan details, the Aditya Birla home loan calculator provides precise EMI calculations, enabling smooth... financial management for your housing loan.
Your information is confidential and used only to contact you about this loan.
✓Written By
Suraj Mudaliar
Vice President – Home Loans
Last Updated: Oct 17, 2026
Education — BTech (IIT Guwahati), IIM Bangalore
With 7 years of hands-on experience structuring home loans across both public and private lending institutions, Suraj Mudaliar brings sharp, practical expertise to every borrower's journey. He specializes in loan eligibility assessment, balance transfers, and EMI optimization — helping customers not just get a loan, but get the right loan for their financial situation.
Aditya Birla Housing Finance provides a variety of unique options for financing the purchase of a home. You can find a loan that fits your needs, whether it’s a home loan, an extension loan, a construction loan, an improvement loan, a loan to buy a piece of commercial property, or anything else.
Using the Aditya Birla home loan interest rate calculator, you can easily determine your potential EMI payments based on current rates, which begin at 9% per annum (p.a.) and reach as high as 9.75% p.a.. However, these figures vary widely by borrower profile.
5 Benefits of Using Aditya Birla Home Loan EMI Calculator
Aditya Birla home loan EMI calculator is a powerful and easy-to-use tool that provides numerous benefits to individuals seeking a home loan. Here are some of the key benefits of using Aditya Birla Home Loan EMI Calculator:
1. Accurate Calculation: The Aditya Birla Home Loan Calculator helps you to calculate your home loan EMI accurately. You can input the loan amount, tenure, and interest rate, and the calculator will provide you with the exact EMI amount.
2. Helps to Plan Finances: The aditya birla home loan interest rate calculator helps you to plan your finances better. Knowing the exact EMI amount lets you easily calculate your monthly expenses and plan your finances accordingly.
3. Helps to Choose the Best Loan Option: The EMI Calculator helps you to compare different home loan options and choose the best one that suits your needs. You can input different loan amounts, tenures, and interest rates and see how they impact your EMI.
4. Provides Detailed EMI Breakup: It provides a detailed breakup of the EMI amount. You can see how much of your EMI goes towards the housing loan principal repayment amount and how much goes towards the interest.
5. Saves Time: The Aditya Birla Home Loan Calculator is an online tool available 24/7. You can use it from anywhere and at any time, and it saves you time and effort.
Factors Influencing Aditya Birla Home Loan EMI
The three variables are, however, impacted by a wide range of conditions, changing the EMI value. Here are the factors that affect home loan EMI:
The quantum of the house loan directly impacts the EMI, which will increase with the home loan’s principal amount. Aditya Birla Housing Finance has no maximum ceiling amount for home loans. The location and price of the property impact the sanctioned amount.
The lending institution’s income is derived from the interest rate it charges. With the same loan balance and term, a house loan with a higher interest rate will have a higher EMI. The customer profile and loan purpose affect Aditya Birla Housing Finance’s interest rate.
A “home loan tenure” refers to the years needed to pay off a mortgage. Aditya Birla Housing Finance permits a maximum of 30 years. Yet, the EMI value decreases as the home loan tenure lengthens.
Home loans are more likely to be approved for applicants with favourable profiles. As a result, banks and lending organisations reduce their interest rates to draw in such clients.
If you’re wondering what is the formula to calculate EMI for a home loan, then here is the standard home loan EMI formula: [P x R x (1+R)^N] / [(1+R)^N-1]
P = Principal amount
R = Rate of interest
N = Loan tenure
Why Should You Use Aditya Birla Home Loan EMI Calculator?
The Aditya Birla home loan calculator is easy to use and provides quick results. You can enter the loan amount, interest rate, and loan tenure, and the Aditya Birla home loan interest rate calculator will provide you with the EMI amount. You can also see a detailed breakup of each EMI’s interest and a principal component.
The Aditya Birla Home Loan EMI Calculator can also help you compare different home loan offers and choose the one that best suits your needs. Overall, it is a valuable tool for anyone considering taking a home loan and wanting to make an informed decision based on accurate and reliable information.
What is an Amortisation Schedule? How does it make EMI Payments Easier?
A loan EMI amortisation schedule is a table that shows the periodic payments that you need to make towards your loan over the loan’s tenure. It breaks down each payment into the principal amount and the interest amount, which helps you understand how much of your payment goes towards reducing the loan principal and how much goes towards paying interest.
An amortisation schedule calculatoris useful when paying EMIs because it helps you plan your finances better. Knowing the principal and interest, you pay each month allows you to plan your monthly expenses and budget accordingly.
Comparison Of Home Loan Rates of Different Banks
Aditya Birla home loan EMI calculator currently offers its clients home loans with interest rates starting at 9% p.a. Here we have the home loan EMI comparison of different banks:
Name of Lender
Up to Rs. 30 Lakh
Above Rs. 30 Lakh to Rs. 75 Lakh
Above Rs. 75 Lakh
SBI
8.60% – 9.50%
8.60% – 9.40%
8.60% – 9.40%
HDFC
8.65% – 10.35%
8.65% – 10.60%
8.65% – 10.70%
LIC Housing Finance
8.65% – 10.10%
8.65% – 10.30%
8.65% – 10.50%
ICICI Bank
8.75% – 9.85%
8.75% – 9.85%
8.75% – 9.85%
Kotak Mahindra Bank
8.65% onwards
8.65% onwards
8.65% onwards
PNB Housing Finance
8.75% – 14.50%
8.75% – 13.00%
8.85%-10.85%
Punjab National Bank
8.60% – 9.35%
8.55% – 9.25%
8.55% – 9.25%
Bank of Baroda
8.60%-10.35%
8.60%-10.35%
8.60%-10.60%
Union Bank of India
8.60% – 10.50%
8.60% – 10.70%
8.60% – 10.70%
IDFC First Bank
8.60% onwards
8.60% onwards
8.60% onwards
Aditya Birla Housing Loan EMI Calculator for Different Amounts
Aditya Birla Home Loan for:
INR 10 lakhs: A home loan EMI for 10 lakhs repayable for 20 years at an interest rate of 9% pa is repaid at INR 8997 per month.
INR 20 lakhs: A home loan EMI for 20 lakhs repayable for 20 years at an interest rate of 9% pa is repaid at INR 17995 per month.
INR 30 lakhs: An EMI on home loan of 30 lakhs repayable for 20 years at an interest rate of 9% pa is INR 26992 per month.
INR 40 lakhs: A home loan worth INR 40 lakhs repayable for 20 years at an interest rate of 9% pa is repaid at an EMI of INR 35989 per month.
INR 50 lakhs: An EMI on 50 lakhs home loan repayable for 20 years at an interest rate of 9% pa is INR 44986 per month.
INR 1 crore: An EMI on home loan of 1 crore payable for 20 years at an interest rate of 9% pa is repaid at an EMI of INR 89973 per month.
How Can NoBroker Help?
NoBroker can be a useful platform for getting a home loan. It provides access to multiple lenders, offers assistance with documentation, provides a loan eligibility calculator, offers the online application, and provides end-to-end assistance. The Aditya Birla home loan emi calculator will make it easier for you to know your monthly repayments. If you are a first-time home loan seeker, it is recommended that you book a free consultation with NoBroker’s real estate and home loan service experts before applying for a home loan.
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EMI Calculator
Estimate your monthly EMI, total interest and repayment.
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Yrs
Monthly EMI₹ 0Indicative · not a bank offer
Principal₹ 0
Total interest₹ 0
Total amount payable₹ 0
Top questions asked
The Aditya Birla Home Loan EMI Calculator is highly accurate, using the loan amount, tenure, and interest rate to calculate your EMI.
You need to enter the loan amount, tenure, and interest rate into the calculator, and it will show you the EMI amount you need to pay.
Your monthly EMI will be determined by the term you select. If you ask for a loan for Rs. 20 lakhs with a 20-year duration, your total debt will be around Rs. 17995.
The Aditya Birla Home Loan EMI Calculator is free on the Aditya Birla Capital website. You do not need to pay any fees or charges to use the calculator.
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The loan approval process for resale properties requires multiple legal verifications and other challenges. It was only due to my NB Loan Expert's promptness and excellent work that saved us from a potential nightmare of a process.
