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India's Trusted Government Jobs Portal

Home Loan EMI Calculator 2026

For government employees — concessional rates with full amortization schedule and principal-vs-interest breakdown.

CGEWHO Rates Amortization Monthly EMI

Monthly EMI

₹26,035

Total Interest

₹32,48,327

Total Payment

₹62,48,327

Principal vs Interest

Principal 48.0% Interest 52.0%
Govt employees get subsidized housing loan rates and can avail HBA (House Building Advance) from the government — up to 34 months of basic pay or ₹25 lakh (whichever is less).

Amortization Schedule

MonthEMIPrincipalInterestBalance
1₹26,035₹4,785₹21,250₹29,95,215
2₹26,035₹4,819₹21,216₹29,90,397
3₹26,035₹4,853₹21,182₹29,85,544
4₹26,035₹4,887₹21,148₹29,80,657
5₹26,035₹4,922₹21,113₹29,75,735
6₹26,035₹4,957₹21,078₹29,70,779
7₹26,035₹4,992₹21,043₹29,65,787
8₹26,035₹5,027₹21,008₹29,60,760
9₹26,035₹5,063₹20,972₹29,55,697
10₹26,035₹5,099₹20,936₹29,50,599
11₹26,035₹5,135₹20,900₹29,45,464
12₹26,035₹5,171₹20,864₹29,40,293
13₹26,035₹5,208₹20,827₹29,35,086
14₹26,035₹5,245₹20,790₹29,29,841
15₹26,035₹5,282₹20,753₹29,24,559
16₹26,035₹5,319₹20,716₹29,19,240
17₹26,035₹5,357₹20,678₹29,13,884
18₹26,035₹5,395₹20,640₹29,08,489
19₹26,035₹5,433₹20,602₹29,03,056
20₹26,035₹5,471₹20,563₹28,97,585
21₹26,035₹5,510₹20,525₹28,92,074
22₹26,035₹5,549₹20,486₹28,86,525
23₹26,035₹5,588₹20,446₹28,80,937
24₹26,035₹5,628₹20,407₹28,75,309
25₹26,035₹5,668₹20,367₹28,69,641
26₹26,035₹5,708₹20,327₹28,63,933
27₹26,035₹5,749₹20,286₹28,58,184
28₹26,035₹5,789₹20,245₹28,52,395
29₹26,035₹5,830₹20,204₹28,46,565
30₹26,035₹5,872₹20,163₹28,40,693
31₹26,035₹5,913₹20,122₹28,34,780
32₹26,035₹5,955₹20,080₹28,28,825
33₹26,035₹5,997₹20,038₹28,22,828
34₹26,035₹6,040₹19,995₹28,16,788
35₹26,035₹6,082₹19,952₹28,10,706
36₹26,035₹6,126₹19,909₹28,04,580
37₹26,035₹6,169₹19,866₹27,98,411
38₹26,035₹6,213₹19,822₹27,92,199
39₹26,035₹6,257₹19,778₹27,85,942
40₹26,035₹6,301₹19,734₹27,79,641
41₹26,035₹6,346₹19,689₹27,73,296
42₹26,035₹6,391₹19,644₹27,66,905
43₹26,035₹6,436₹19,599₹27,60,469
44₹26,035₹6,481₹19,553₹27,53,988
45₹26,035₹6,527₹19,507₹27,47,461
46₹26,035₹6,574₹19,461₹27,40,887
47₹26,035₹6,620₹19,415₹27,34,267
48₹26,035₹6,667₹19,368₹27,27,600
49₹26,035₹6,714₹19,321₹27,20,886
50₹26,035₹6,762₹19,273₹27,14,124
51₹26,035₹6,810₹19,225₹27,07,314
52₹26,035₹6,858₹19,177₹27,00,457
53₹26,035₹6,906₹19,128₹26,93,550
54₹26,035₹6,955₹19,079₹26,86,595
55₹26,035₹7,005₹19,030₹26,79,590
56₹26,035₹7,054₹18,980₹26,72,536
57₹26,035₹7,104₹18,930₹26,65,432
58₹26,035₹7,155₹18,880₹26,58,277
59₹26,035₹7,205₹18,829₹26,51,072
60₹26,035₹7,256₹18,778₹26,43,815
61₹26,035₹7,308₹18,727₹26,36,508
62₹26,035₹7,359₹18,675₹26,29,148
63₹26,035₹7,412₹18,623₹26,21,737
64₹26,035₹7,464₹18,571₹26,14,273
65₹26,035₹7,517₹18,518₹26,06,756
66₹26,035₹7,570₹18,465₹25,99,186
67₹26,035₹7,624₹18,411₹25,91,562
68₹26,035₹7,678₹18,357₹25,83,884
69₹26,035₹7,732₹18,303₹25,76,152
70₹26,035₹7,787₹18,248₹25,68,365
71₹26,035₹7,842₹18,193₹25,60,523
72₹26,035₹7,898₹18,137₹25,52,625
73₹26,035₹7,954₹18,081₹25,44,672
74₹26,035₹8,010₹18,025₹25,36,662
75₹26,035₹8,067₹17,968₹25,28,595
76₹26,035₹8,124₹17,911₹25,20,471
77₹26,035₹8,181₹17,853₹25,12,290
78₹26,035₹8,239₹17,795₹25,04,050
79₹26,035₹8,298₹17,737₹24,95,753
80₹26,035₹8,356₹17,678₹24,87,396
81₹26,035₹8,416₹17,619₹24,78,981
82₹26,035₹8,475₹17,559₹24,70,505
83₹26,035₹8,535₹17,499₹24,61,970
84₹26,035₹8,596₹17,439₹24,53,374
85₹26,035₹8,657₹17,378₹24,44,718
86₹26,035₹8,718₹17,317₹24,36,000
87₹26,035₹8,780₹17,255₹24,27,220
88₹26,035₹8,842₹17,193₹24,18,378
89₹26,035₹8,905₹17,130₹24,09,474
90₹26,035₹8,968₹17,067₹24,00,506
91₹26,035₹9,031₹17,004₹23,91,475
92₹26,035₹9,095₹16,940₹23,82,380
93₹26,035₹9,160₹16,875₹23,73,220
94₹26,035₹9,224₹16,810₹23,63,996
95₹26,035₹9,290₹16,745₹23,54,706
96₹26,035₹9,356₹16,679₹23,45,351
97₹26,035₹9,422₹16,613₹23,35,929
98₹26,035₹9,489₹16,546₹23,26,440
99₹26,035₹9,556₹16,479₹23,16,885
100₹26,035₹9,623₹16,411₹23,07,261
101₹26,035₹9,692₹16,343₹22,97,570
102₹26,035₹9,760₹16,274₹22,87,809
103₹26,035₹9,829₹16,205₹22,77,980
104₹26,035₹9,899₹16,136₹22,68,081
105₹26,035₹9,969₹16,066₹22,58,112
106₹26,035₹10,040₹15,995₹22,48,072
107₹26,035₹10,111₹15,924₹22,37,961
108₹26,035₹10,182₹15,852₹22,27,779
109₹26,035₹10,255₹15,780₹22,17,524
110₹26,035₹10,327₹15,707₹22,07,197
111₹26,035₹10,400₹15,634₹21,96,797
112₹26,035₹10,474₹15,561₹21,86,323
113₹26,035₹10,548₹15,486₹21,75,774
114₹26,035₹10,623₹15,412₹21,65,151
115₹26,035₹10,698₹15,336₹21,54,453
116₹26,035₹10,774₹15,261₹21,43,679
117₹26,035₹10,850₹15,184₹21,32,829
118₹26,035₹10,927₹15,108₹21,21,902
119₹26,035₹11,005₹15,030₹21,10,897
120₹26,035₹11,083₹14,952₹20,99,815
121₹26,035₹11,161₹14,874₹20,88,654
122₹26,035₹11,240₹14,795₹20,77,414
123₹26,035₹11,320₹14,715₹20,66,094
124₹26,035₹11,400₹14,635₹20,54,694
125₹26,035₹11,481₹14,554₹20,43,213
126₹26,035₹11,562₹14,473₹20,31,652
127₹26,035₹11,644₹14,391₹20,20,008
128₹26,035₹11,726₹14,308₹20,08,281
129₹26,035₹11,809₹14,225₹19,96,472
130₹26,035₹11,893₹14,142₹19,84,579
131₹26,035₹11,977₹14,057₹19,72,602
132₹26,035₹12,062₹13,973₹19,60,540
133₹26,035₹12,148₹13,887₹19,48,392
134₹26,035₹12,234₹13,801₹19,36,158
135₹26,035₹12,320₹13,714₹19,23,838
136₹26,035₹12,408₹13,627₹19,11,431
137₹26,035₹12,495₹13,539₹18,98,935
138₹26,035₹12,584₹13,451₹18,86,351
139₹26,035₹12,673₹13,362₹18,73,678
140₹26,035₹12,763₹13,272₹18,60,916
141₹26,035₹12,853₹13,181₹18,48,062
142₹26,035₹12,944₹13,090₹18,35,118
143₹26,035₹13,036₹12,999₹18,22,082
144₹26,035₹13,128₹12,906₹18,08,954
145₹26,035₹13,221₹12,813₹17,95,733
146₹26,035₹13,315₹12,720₹17,82,418
147₹26,035₹13,409₹12,625₹17,69,008
148₹26,035₹13,504₹12,530₹17,55,504
149₹26,035₹13,600₹12,435₹17,41,904
150₹26,035₹13,696₹12,338₹17,28,208
151₹26,035₹13,793₹12,241₹17,14,415
152₹26,035₹13,891₹12,144₹17,00,524
153₹26,035₹13,989₹12,045₹16,86,535
154₹26,035₹14,088₹11,946₹16,72,446
155₹26,035₹14,188₹11,846₹16,58,258
156₹26,035₹14,289₹11,746₹16,43,969
157₹26,035₹14,390₹11,645₹16,29,579
158₹26,035₹14,492₹11,543₹16,15,088
159₹26,035₹14,594₹11,440₹16,00,493
160₹26,035₹14,698₹11,337₹15,85,795
161₹26,035₹14,802₹11,233₹15,70,993
162₹26,035₹14,907₹11,128₹15,56,086
163₹26,035₹15,012₹11,022₹15,41,074
164₹26,035₹15,119₹10,916₹15,25,955
165₹26,035₹15,226₹10,809₹15,10,729
166₹26,035₹15,334₹10,701₹14,95,396
167₹26,035₹15,442₹10,592₹14,79,953
168₹26,035₹15,552₹10,483₹14,64,402
169₹26,035₹15,662₹10,373₹14,48,740
170₹26,035₹15,773₹10,262₹14,32,967
171₹26,035₹15,885₹10,150₹14,17,083
172₹26,035₹15,997₹10,038₹14,01,086
173₹26,035₹16,110₹9,924₹13,84,975
174₹26,035₹16,224₹9,810₹13,68,751
175₹26,035₹16,339₹9,695₹13,52,411
176₹26,035₹16,455₹9,580₹13,35,956
177₹26,035₹16,572₹9,463₹13,19,385
178₹26,035₹16,689₹9,346₹13,02,696
179₹26,035₹16,807₹9,227₹12,85,888
180₹26,035₹16,926₹9,108₹12,68,962
181₹26,035₹17,046₹8,988₹12,51,916
182₹26,035₹17,167₹8,868₹12,34,749
183₹26,035₹17,289₹8,746₹12,17,460
184₹26,035₹17,411₹8,624₹12,00,049
185₹26,035₹17,534₹8,500₹11,82,515
186₹26,035₹17,659₹8,376₹11,64,856
187₹26,035₹17,784₹8,251₹11,47,073
188₹26,035₹17,910₹8,125₹11,29,163
189₹26,035₹18,036₹7,998₹11,11,127
190₹26,035₹18,164₹7,870₹10,92,962
191₹26,035₹18,293₹7,742₹10,74,669
192₹26,035₹18,422₹7,612₹10,56,247
193₹26,035₹18,553₹7,482₹10,37,694
194₹26,035₹18,684₹7,350₹10,19,010
195₹26,035₹18,817₹7,218₹10,00,193
196₹26,035₹18,950₹7,085₹9,81,243
197₹26,035₹19,084₹6,950₹9,62,159
198₹26,035₹19,219₹6,815₹9,42,939
199₹26,035₹19,356₹6,679₹9,23,584
200₹26,035₹19,493₹6,542₹9,04,091
201₹26,035₹19,631₹6,404₹8,84,460
202₹26,035₹19,770₹6,265₹8,64,691
203₹26,035₹19,910₹6,125₹8,44,781
204₹26,035₹20,051₹5,984₹8,24,730
205₹26,035₹20,193₹5,842₹8,04,537
206₹26,035₹20,336₹5,699₹7,84,201
207₹26,035₹20,480₹5,555₹7,63,721
208₹26,035₹20,625₹5,410₹7,43,096
209₹26,035₹20,771₹5,264₹7,22,325
210₹26,035₹20,918₹5,116₹7,01,407
211₹26,035₹21,066₹4,968₹6,80,341
212₹26,035₹21,216₹4,819₹6,59,125
213₹26,035₹21,366₹4,669₹6,37,759
214₹26,035₹21,517₹4,517₹6,16,242
215₹26,035₹21,670₹4,365₹5,94,572
216₹26,035₹21,823₹4,212₹5,72,749
217₹26,035₹21,978₹4,057₹5,50,771
218₹26,035₹22,133₹3,901₹5,28,638
219₹26,035₹22,290₹3,745₹5,06,348
220₹26,035₹22,448₹3,587₹4,83,900
221₹26,035₹22,607₹3,428₹4,61,293
222₹26,035₹22,767₹3,267₹4,38,525
223₹26,035₹22,928₹3,106₹4,15,597
224₹26,035₹23,091₹2,944₹3,92,506
225₹26,035₹23,254₹2,780₹3,69,252
226₹26,035₹23,419₹2,616₹3,45,832
227₹26,035₹23,585₹2,450₹3,22,247
228₹26,035₹23,752₹2,283₹2,98,495
229₹26,035₹23,920₹2,114₹2,74,575
230₹26,035₹24,090₹1,945₹2,50,485
231₹26,035₹24,260₹1,774₹2,26,225
232₹26,035₹24,432₹1,602₹2,01,792
233₹26,035₹24,605₹1,429₹1,77,187
234₹26,035₹24,780₹1,255₹1,52,408
235₹26,035₹24,955₹1,080₹1,27,452
236₹26,035₹25,132₹903₹1,02,320
237₹26,035₹25,310₹725₹77,011
238₹26,035₹25,489₹545₹51,521
239₹26,035₹25,670₹365₹25,852
240₹26,035₹25,852₹183₹0

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