Total Cost

2,300,000
Downpayment
500,000
Loan Aount
1,800,000
Tenure
20
Interest
10.75%
EMI
18,274
Tax Rate
20%
Tax Saving / Year
43,858

EMI No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39

Opening Balance
1,800,000
1,797,851
1,795,683
1,793,495
1,791,287
1,789,060
1,786,813
1,784,546
1,782,258
1,779,950
1,777,621
1,775,272
1,772,901
1,770,509
1,768,096
1,765,661
1,763,204
1,760,726
1,758,225
1,755,701
1,753,155
1,750,586
1,747,995
1,745,380
1,742,741
1,740,079
1,737,393
1,734,683
1,731,949
1,729,190
1,726,407
1,723,598
1,720,765
1,717,906
1,715,021
1,712,111
1,709,175
1,706,212
1,703,223

Interest
16,125
16,106
16,086
16,067
16,047
16,027
16,007
15,987
15,966
15,945
15,925
15,903
15,882
15,861
15,839
15,817
15,795
15,773
15,751
15,728
15,705
15,682
15,659
15,636
15,612
15,588
15,564
15,540
15,515
15,491
15,466
15,441
15,415
15,390
15,364
15,338
15,311
15,285
15,258

40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87

1,700,206
1,697,163
1,694,093
1,690,995
1,687,869
1,684,716
1,681,534
1,678,324
1,675,084
1,671,816
1,668,519
1,665,192
1,661,835
1,658,448
1,655,031
1,651,583
1,648,105
1,644,595
1,641,053
1,637,480
1,633,875
1,630,238
1,626,568
1,622,865
1,619,129
1,615,360
1,611,557
1,607,720
1,603,848
1,599,942
1,596,000
1,592,024
1,588,011
1,583,963
1,579,879
1,575,758
1,571,600
1,567,405
1,563,172
1,558,901
1,554,592
1,550,245
1,545,858
1,541,432
1,536,967
1,532,461
1,527,916
1,523,329

15,231
15,204
15,176
15,148
15,120
15,092
15,064
15,035
15,006
14,977
14,947
14,917
14,887
14,857
14,826
14,795
14,764
14,733
14,701
14,669
14,637
14,604
14,571
14,538
14,505
14,471
14,437
14,402
14,368
14,333
14,298
14,262
14,226
14,190
14,153
14,116
14,079
14,041
14,003
13,965
13,927
13,888
13,848
13,809
13,769
13,728
13,688
13,646

88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135

1,518,701
1,514,032
1,509,321
1,504,568
1,499,773
1,494,934
1,490,052
1,485,126
1,480,156
1,475,142
1,470,083
1,464,978
1,459,828
1,454,631
1,449,388
1,444,098
1,438,761
1,433,375
1,427,942
1,422,460
1,416,929
1,411,348
1,405,717
1,400,036
1,394,304
1,388,520
1,382,685
1,376,797
1,370,857
1,364,863
1,358,816
1,352,715
1,346,559
1,340,348
1,334,081
1,327,758
1,321,378
1,314,941
1,308,447
1,301,894
1,295,283
1,288,612
1,281,882
1,275,091
1,268,240
1,261,327
1,254,353
1,247,315

13,605
13,563
13,521
13,478
13,435
13,392
13,348
13,304
13,260
13,215
13,169
13,124
13,078
13,031
12,984
12,937
12,889
12,841
12,792
12,743
12,693
12,643
12,593
12,542
12,491
12,439
12,387
12,334
12,281
12,227
12,173
12,118
12,063
12,007
11,951
11,894
11,837
11,780
11,722
11,663
11,604
11,544
11,484
11,423
11,361
11,299
11,237
11,174

136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183

1,240,215
1,233,051
1,225,823
1,218,530
1,211,172
1,203,748
1,196,258
1,188,700
1,181,075
1,173,381
1,165,618
1,157,786
1,149,884
1,141,911
1,133,866
1,125,750
1,117,561
1,109,298
1,100,961
1,092,550
1,084,063
1,075,501
1,066,861
1,058,144
1,049,349
1,040,476
1,031,522
1,022,489
1,013,375
1,004,179
994,900
985,539
976,094
966,564
956,948
947,247
937,459
927,582
917,618
907,564
897,420
887,186
876,859
866,440
855,928
845,322
834,620
823,823

11,110
11,046
10,981
10,916
10,850
10,784
10,716
10,649
10,580
10,512
10,442
10,372
10,301
10,230
10,158
10,085
10,011
9,937
9,863
9,787
9,711
9,635
9,557
9,479
9,400
9,321
9,241
9,160
9,078
8,996
8,913
8,829
8,744
8,659
8,573
8,486
8,398
8,310
8,220
8,130
8,039
7,948
7,855
7,762
7,668
7,573
7,477
7,380

184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231

812,929
801,937
790,847
779,658
768,368
756,977
745,484
733,888
722,189
710,384
698,474
686,457
674,332
662,099
649,756
637,303
624,738
612,060
599,269
586,364
573,342
560,204
546,949
533,574
520,080
506,465
492,728
478,868
464,884
450,774
436,538
422,175
407,683
393,061
378,308
363,423
348,404
333,251
317,962
302,537
286,973
271,270
255,426
239,440
223,310
207,037
190,617
174,051

7,282
7,184
7,085
6,984
6,883
6,781
6,678
6,574
6,470
6,364
6,257
6,150
6,041
5,931
5,821
5,709
5,597
5,483
5,368
5,253
5,136
5,018
4,900
4,780
4,659
4,537
4,414
4,290
4,165
4,038
3,911
3,782
3,652
3,521
3,389
3,256
3,121
2,985
2,848
2,710
2,571
2,430
2,288
2,145
2,000
1,855
1,708
1,559

232
233
234
235
236
237
238
239
240

157,336
140,471
123,456
106,287
88,965
71,488
53,855
36,063
18,112

1,409
1,258
1,106
952
797
640
482
323
162

Capital
2,149
2,168
2,188
2,207
2,227
2,247
2,267
2,288
2,308
2,329
2,350
2,371
2,392
2,413
2,435
2,457
2,479
2,501
2,523
2,546
2,569
2,592
2,615
2,638
2,662
2,686
2,710
2,734
2,759
2,783
2,808
2,834
2,859
2,885
2,910
2,936
2,963
2,989
3,016

EMI
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274

Closing Balance Total Interest Total Capital Tax Saved

1,797,851
1,795,683
1,793,495
1,791,287
1,789,060
1,786,813
1,784,546
1,782,258
1,779,950
1,777,621
1,775,272
1,772,901
192,191
27,099
43,858
1,770,509
1,768,096
1,765,661
1,763,204
1,760,726
1,758,225
1,755,701
1,753,155
1,750,586
1,747,995
1,745,380
1,742,741
189,130
30,160
43,858
1,740,079
1,737,393
1,734,683
1,731,949
1,729,190
1,726,407
1,723,598
1,720,765
1,717,906
1,715,021
1,712,111
1,709,175
185,723
33,567
43,858
1,706,212
1,703,223
1,700,206

3,043
3,070
3,098
3,126
3,154
3,182
3,210
3,239
3,268
3,297
3,327
3,357
3,387
3,417
3,448
3,479
3,510
3,541
3,573
3,605
3,637
3,670
3,703
3,736
3,769
3,803
3,837
3,872
3,906
3,941
3,977
4,012
4,048
4,084
4,121
4,158
4,195
4,233
4,271
4,309
4,348
4,387
4,426
4,465
4,505
4,546
4,587
4,628

18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274

1,697,163
1,694,093
1,690,995
1,687,869
1,684,716
1,681,534
1,678,324
1,675,084
1,671,816
1,668,519
1,665,192
1,661,835
1,658,448
1,655,031
1,651,583
1,648,105
1,644,595
1,641,053
1,637,480
1,633,875
1,630,238
1,626,568
1,622,865
1,619,129
1,615,360
1,611,557
1,607,720
1,603,848
1,599,942
1,596,000
1,592,024
1,588,011
1,583,963
1,579,879
1,575,758
1,571,600
1,567,405
1,563,172
1,558,901
1,554,592
1,550,245
1,545,858
1,541,432
1,536,967
1,532,461
1,527,916
1,523,329
1,518,701

181,931

37,358

43,858

177,711

41,578

43,858

173,015

46,275

43,858

167,788

51,502

43,858

4,669
4,711
4,753
4,796
4,839
4,882
4,926
4,970
5,014
5,059
5,105
5,150
5,196
5,243
5,290
5,337
5,385
5,433
5,482
5,531
5,581
5,631
5,681
5,732
5,783
5,835
5,888
5,940
5,994
6,047
6,101
6,156
6,211
6,267
6,323
6,380
6,437
6,494
6,553
6,611
6,671
6,730
6,791
6,851
6,913
6,975
7,037
7,100

18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274

1,514,032
1,509,321
1,504,568
1,499,773
1,494,934
1,490,052
1,485,126
1,480,156
1,475,142
1,470,083
1,464,978
1,459,828
1,454,631
1,449,388
1,444,098
1,438,761
1,433,375
1,427,942
1,422,460
1,416,929
1,411,348
1,405,717
1,400,036
1,394,304
1,388,520
1,382,685
1,376,797
1,370,857
1,364,863
1,358,816
1,352,715
1,346,559
1,340,348
1,334,081
1,327,758
1,321,378
1,314,941
1,308,447
1,301,894
1,295,283
1,288,612
1,281,882
1,275,091
1,268,240
1,261,327
1,254,353
1,247,315
1,240,215

161,970

57,319

43,858

155,495

63,794

43,858

148,289

71,000

43,858

7,164
7,228
7,293
7,358
7,424
7,491
7,558
7,625
7,694
7,763
7,832
7,902
7,973
8,045
8,117
8,189
8,263
8,337
8,411
8,487
8,563
8,639
8,717
8,795
8,874
8,953
9,033
9,114
9,196
9,278
9,361
9,445
9,530
9,615
9,701
9,788
9,876
9,965
10,054
10,144
10,235
10,326
10,419
10,512
10,606
10,701
10,797
10,894

18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274

1,233,051
1,225,823
1,218,530
1,211,172
1,203,748
1,196,258
1,188,700
1,181,075
1,173,381
1,165,618
1,157,786
1,149,884
1,141,911
1,133,866
1,125,750
1,117,561
1,109,298
1,100,961
1,092,550
1,084,063
1,075,501
1,066,861
1,058,144
1,049,349
1,040,476
1,031,522
1,022,489
1,013,375
1,004,179
994,900
985,539
976,094
966,564
956,948
947,247
937,459
927,582
917,618
907,564
897,420
887,186
876,859
866,440
855,928
845,322
834,620
823,823
812,929

10,992
11,090
11,189
11,290
11,391
11,493
11,596
11,700
11,805
11,910
12,017
12,125
12,233
12,343
12,453
12,565
12,678
12,791
12,906
13,021
13,138
13,256
13,374
13,494
13,615
13,737
13,860
13,984
14,110
14,236
14,363
14,492
14,622
14,753
14,885
15,018
15,153
15,289
15,426
15,564
15,703
15,844
15,986
16,129
16,274
16,419
16,567
16,715

18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274

801,937
790,847
779,658
768,368
756,977
745,484
733,888
722,189
710,384
698,474
686,457
674,332
662,099
649,756
637,303
624,738
612,060
599,269
586,364
573,342
560,204
546,949
533,574
520,080
506,465
492,728
478,868
464,884
450,774
436,538
422,175
407,683
393,061
378,308
363,423
348,404
333,251
317,962
302,537
286,973
271,270
255,426
239,440
223,310
207,037
190,617
174,051
157,336

16,865
17,016
17,168
17,322
17,477
17,634
17,792
17,951
18,112

18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274
18,274

140,471
123,456
106,287
88,965
71,488
53,855
36,063
18,112
0

If Invested in Equity intead of Real Estate

RoR on Equity
Downpayment
EMI
Period

8%
500,000
18,274
10

After 10 years
If downpaynment was invested
If SIP of the amount of EMI then
Total

1,079,462
3,343,178
4,422,641

If Invested in Real Estate instead of Equity

Tax Saving
RoR on Investment
Period

43,858
8%
10

After 10 years
If Tax Savings invested

635,350