How much does prepaying a home loan save?

Each page takes a home loan at 8.5% over 20 years, makes one part payment after two years of EMIs, and shows the interest saved, the months cut from the loan and how that compares with simply lowering the EMI.

Loans run from ₹30 lakh to ₹1.5 crore, and the prepayments stay within a realistic share of the balance. Because the amount owed shrinks every year, each page also shows what the same prepayment would save if made after one, five or ten years.

Open the loan prepayment calculator from any page with the loan and the amount already filled in, then add your own rate, the EMIs you have paid and any charge your lender levies.