New beginner-friendly report is available
Keep using this legacy calculator, or open the plain-English result page with yearly summary, scenarios, and Excel workbook export.
Loan Details
12-360 months
EMI remains constant. Interest portion decreases over time, principal portion increases.
Investment Corpus
Tax & Withdrawal Settings
Final Corpus Surplus
₹29.45L
Your investment return is 12.00% CAGR, but the loan's effective annual cost is 9.38%. This creates a positive carry spread of 2.62% p.a. Corpus survives the full tenure comfortably with positive carry.
Corpus Survives?
Yes
Loan Interest Total
₹52.01L
Break-even Return
9.38% CAGR
Effective Carry Spread
+2.62%
Monthly EMI
₹1,26,676
Total paid: ₹1.52Cr over 10yr
Corpus Status
Survives
Carry Spread
+2.62%
Effective Loan Rate
9.38% p.a.
vs 9.00% nominal
Total Fees
₹0
Processing + Insurance
Assumptions & Risks
- This assumes a constant 12.00% CAGR. Real market returns fluctuate, which increases the sequence of returns risk.
- Tax is not included in this calculation. This will overstate your net returns.