See how much you need to pay upfront for a home, how much you may need to borrow, and how your down payment changes your EMI.
= ₹15 lakh of ₹75 lakh
This depends on your state. Check your state's current rates.
Brokerage, legal fees, parking, society charges or moving costs.
Enter the home price and your down payment, then tap Calculate my down payment.
A larger down payment means a smaller loan, a lower EMI and less interest to pay.
| Down payment | Home loan | Monthly EMI | Total interest |
|---|---|---|---|
| ₹7.5 lakh (10%)* | ₹67.5 lakh | ₹58,578 | ₹73.09 lakh |
| ₹11.25 lakh (15%)* | ₹63.75 lakh | ₹55,324 | ₹69.03 lakh |
| ₹15 lakh (20%) | ₹60 lakh | ₹52,069 | ₹64.97 lakh |
| ₹18.75 lakh (25%) | ₹56.25 lakh | ₹48,815 | ₹60.91 lakh |
| ₹22.5 lakh (30%) | ₹52.5 lakh | ₹45,561 | ₹56.84 lakh |
Based on a ₹75 lakh home, 8.5% interest and 20 years. Your down payment is highlighted.* Below the RBI minimum for a home of this price.
Paying ₹7.5 lakh more upfront (20% instead of 10%) lowers the EMI by ₹6,509 and saves about ₹8.12 lakh in interest.
Not always.
A bigger down payment reduces your loan and future interest.
But putting all your savings into the home can leave you with less money for emergencies and other expenses.
Before deciding how much to pay upfront, consider:
The best down payment is not always the biggest one you can afford.
Prefer to keep some savings?
You can pay down the loan later with prepayments.
See the Home Loan Prepayment Calculator.
Under RBI rules, banks can lend only part of a home's value.
| Home loan amount | Most a bank can lend | Minimum down payment |
|---|---|---|
| Up to ₹30 lakh | 90% of the home value | 10% |
| Above ₹30 lakh, up to ₹75 lakh | 80% of the home value | 20% |
| Above ₹75 lakh | 75% of the home value | 25% |
These are the most a bank can lend.
Your lender may ask you to pay more.
To see how much a lender may lend you based on your income, use the Home Loan Eligibility Calculator.
Example: the minimum is based on RBI limits.
The 20% column is a common planning choice.
| Home price | Minimum down payment | Most a bank can lend |
|---|---|---|
| ₹30 lakh | ₹3 lakh (10%) | ₹27 lakh |
| ₹40 lakh | ₹8 lakh (20%) | ₹32 lakh |
| ₹50 lakh | ₹10 lakh (20%) | ₹40 lakh |
| ₹75 lakh | ₹15 lakh (20%) | ₹60 lakh |
| ₹1 crore | ₹25 lakh (25%) | ₹75 lakh |
| ₹1.5 crore | ₹37.5 lakh (25%) | ₹1.12 crore |
| ₹2 crore | ₹50 lakh (25%) | ₹1.5 crore |
Your lender may ask for more than the minimum.
LTV is the share of the home's value that the lender pays.
For example, on a ₹75 lakh home with a ₹60 lakh loan, the LTV is 80%.
Your down payment is the other 20%.
A lower LTV means a bigger down payment and a smaller loan.
Your down payment is only one part of the upfront cost.
Depending on the property and your state, you may also need money for:
These costs vary by state, property type and transaction, so this calculator does not assume a fixed percentage.
Add your own figures using "Add buying costs and savings" in the calculator.
This calculator does not check:
The result is an estimate for planning your home purchase.
A down payment is the part of the home's price that you pay from your own money.
The rest can be financed through a home loan.
Under RBI rules, banks can lend up to 90% of the home's value for loans up to ₹30 lakh, 80% for loans above ₹30 lakh up to ₹75 lakh, and 75% above ₹75 lakh.
So the minimum down payment is 10%, 20% or 25%.
Your lender may ask for more, depending on the property, its valuation and your eligibility.
The minimum is about ₹10 lakh (20%), because a ₹40 lakh loan falls in the 80% limit.
You can choose to pay more.
The minimum is about ₹25 lakh (25%), because the loan would be above ₹75 lakh, where banks can lend up to 75%.
For homes up to about ₹93.75 lakh, 20% meets the RBI minimum.
Above that, banks need at least 25%.
Your lender may still ask for more based on the property and your eligibility.
A bigger down payment lowers your loan, EMI and total interest.
But using too much of your savings can leave you short for emergencies and other needs.
For example, on a ₹75 lakh home at 8.5% for 20 years, paying 30% instead of 20% lowers the EMI by ₹6,508 and saves about ₹8.12 lakh in interest.
Usually, yes.
A smaller down payment means a bigger loan.
On the same ₹75 lakh home, paying 10% instead of 20% raises the EMI by ₹6,509 and adds about ₹8.12 lakh in interest.
No.
They are separate buying costs, and they vary by state.
Add them in the calculator to see your total cash needed upfront.
Usually not.
Lenders generally finance the property price, not stamp duty and registration.
Plan to pay these from your own money.
It can.
A bigger down payment means a smaller loan, so the EMI you need to support is lower.
Your lender still checks your income and credit.
Use the Home Loan Eligibility Calculator to estimate how much you may be able to borrow.
Not necessarily.
Keep enough for emergencies, buying costs and other needs before deciding how much to put into the home.
LTV, or loan-to-value, is the share of the home's value financed by the loan.
A ₹60 lakh loan on a ₹75 lakh home is an LTV of 80%.
Your salary decides how much you can borrow and repay, not the down payment itself.
Use the Home Loan Affordability Calculator to see what home price fits your income.
This calculator gives an estimate based on the numbers you enter.
It shows how your down payment affects your loan, EMI and total interest.
It does not check your loan eligibility, property documents or lender-specific rules.
Last updated: 4 October 2026
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