Loan Prepayment: 25 Lakh Loan, 5,000 Extra Every Month
A recurring extra payment of 5,000 a month on a 25 lakh loan, showing how a smaller sustained prepayment compares to a one-time lump sum.
A recurring prepayment of ₹5,000 on a ₹25,00,000 loan at 9% p.a. saves ₹6,18,447 in interest. Your loan closes in 10 years 11 months instead of 15 years, saving ₹6,18,447 in interest.
- Outstanding loan amount
- ₹25,00,000
- Remaining tenure
- 15 years
- Interest rate
- 9% p.a.
- Prepayment
- ₹5,000 /month
Interest saved
Reduce tenure₹6.18 Lakhs
₹6,18,447
Your loan closes in 10 years 11 months instead of 15 years, saving ₹6,18,447 in interest.
Original EMI
₹25,
EMI stays the same
₹25,
Loan closes in
10 years 11 months
Total interest with prepayment
₹14.46 Lakhs
₹14,45,753
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Interest saved compares total interest paid over the life of the loan, with and without the prepayment. Floating-rate home loans carry no prepayment penalty under RBI rules; fixed-rate, personal, and some NBFC loans may still charge one.