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CivilArch Group — AI Home Loan EMI Calculator
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LoanPilot AI — EMI Estimator

Plan Smarter with
Home Loan EMI AI

Enter your loan details — get an instant, AI-powered EMI estimate with 28-bank comparison, eligibility check and full repayment breakdown in under 30 seconds.

28+Banks Compared
₹10CrLoan Range
30 secInstant Result
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All Loan Tools in One Portal

Switch between calculators — EMI, bank comparison, eligibility, prepayment & more

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EMI Calculator

₹50.00 L
8.5%
20 Yrs
🧮 Your Monthly EMI
₹0
Principal
⭐ Total Interest
Total Payment
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Compare Banks (tap any rate to edit ✏️)

₹50.00 L
20 Yrs
BankRate ✏️EMIInterestTotal
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AI Pick:

Loan Eligibility (FOIR)

₹1.20 L
₹10,000
32
✅ Your Loan Eligibility
₹0
EMI Capacity
⭐ Status
Max Tenure
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Home Buying Cost

₹75.00 L
20%
7%
No
Yes
Total Initial Investment₹0

Prepayment Savings

₹40.00 L
8.6%
20 Yrs
One-Time
Every Year
Every Month
₹5.00 L
⚡ Interest You Save
₹0
Current EMI
⭐ Tenure Cut
Closes In
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Balance Transfer

₹35.00 L
9.3%
8.5%
15 Yrs
₹15,000
🔁 Net Savings After Transfer
₹0
EMI Drops By
⭐ Verdict
Break-Even
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Repayment Schedule

₹50.00 L
8.5%
20 Yrs
📊

YearPrincipalInterestBalance
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LoanPilot AI — Ask Anything

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Before we start: please confirm your required loan amount & tenure. I've fetched these from your earlier inputs (wizard / tools) — edit if needed, then confirm. Your confirmation is required even if the values look right.

Step 1 of 6 — Loan Type 1/6
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What Type of Loan Are You Planning?
Select the loan type that best describes your requirement.
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Loan Details
Enter your actual loan amount, rate of interest and repayment tenure.
8.35%PSU Best
8.50%Standard ★
8.75%Private
9.00%Mid
9.50%High
10.0%HFC
Fine-tune: 8.5%
Income & Eligibility
LoanPilot AI will check your loan eligibility using the FOIR method banks use.
800+
750–799
700–749
650–699
< 650
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Property Cost Analysis
Do you want LoanPilot AI to calculate your total upfront cost (down payment, stamp duty, registration)?
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AI Recommendation: Including property details gives you the real cheque amount needed before your first EMI — most buyers underestimate this by 8–12%.

No
Yes
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Bank Preference & Requirements
Tell LoanPilot AI your preference — it will compare all 28 banks and recommend the best 3 for you.
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LoanPilot Auto-Compare: AI will automatically compare Public Sector, Private & Housing Finance lenders — and highlight the best fit with total cost difference.

⭐ Best Overall
Public Sector
Private Bank
Housing Finance
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Your Contact Details
Almost done! Enter your details below and your AI EMI report will be generated instantly.
LoanPilot AI Analyzing Your Loan
Initializing LoanPilot AI...
Reading Loan Amount & Tenure
Calculating Monthly EMI
Checking FOIR Eligibility
Comparing 28 Banks & HFCs
AI Selecting Best Bank Options
Building Year-wise Schedule
Preparing EMI Dashboard
AI EMI Report Ready
₹0
Your Monthly EMI
Best Bank EMI
₹0
⭐ Total Interest
₹0
Total Payment
₹0
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LoanPilot AI Bank Comparison & Recommendation
Best Public Sector, Private & HFC option compared — AI has highlighted the best fit for you
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Loan Summary

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Payment Breakdown

Total Payment Over Tenure ₹0

* Approximate. Bank rates indicative — verify final sanction terms.

Eligibility & Key Terms

🛡RBI: No prepayment penalty on floating-rate home loans
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LoanPilot AI Recommendations

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Disclaimer: This EMI report is AI-generated and approximate. Bank interest rates and processing fees shown are indicative starting rates and vary by credit score, income, property and lender policy. Eligibility shown is an estimate, not a sanction. Stamp duty & registration vary by state. CivilArch Group is a calculator portal, not a lender — verify final terms with your bank. This is educational information, not financial advice.

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