Enter your loan amount, interest rate, and tenure. Get your exact monthly EMI, total interest payable, and a full amortization breakdown — instantly.
Principal vs interest breakdown for each year of your loan.
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance |
|---|
*Indicative. Final EMI depends on bank approval, CIBIL score, and processing fees.
All four banks have independently completed their legal review of Aaroha. No fresh property appraisal needed — click any rate to apply it to the calculator above.
Rates are indicative and subject to change. Final rate depends on CIBIL score, loan amount, and bank policy. Shivira Homes will coordinate with the bank for the best available rate.
The less you borrow, the less interest you pay. A 30–40% down payment dramatically reduces the total cost of ownership.
A 10-year loan pays far less total interest than a 20-year one — though the monthly EMI will be higher. Use the calculator above to compare.
A CIBIL score above 750 qualifies you for the lowest interest rate tier. Pay existing EMIs on time and clear credit card dues before applying.
All 4 banks have already completed their property legal review. You only submit your income documents. Approval in 15–20 working days — vs 45–60 days for a new project.
All property documents, bank coordination, registration paperwork. You focus on income documents. Our founder is personally present on registration day.
Walk the plots, see every document, talk to our loan team in person. No pressure, your pace.