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Construction Loan EMI & Interest

See the true cost of your construction loan — interest during moratorium, EMI after repayment begins, and total outflow across the tenure.

Loan Amount (₹ Crore)
Annual Interest Rate (%)
Total Tenure (months)
Moratorium / Interest-only period (months)Principal repayment begins after this period. Repayment tenure: 18 months.
During moratorium (18 months)
Monthly interest payment₹5,00,000
Total interest in moratorium₹90,00,000
Repayment phase (18 months)
Monthly EMI₹30,49,102
Total cost summary
Total interest payable₹1,38,83,843
Total amount payable₹6,38,83,843

How this works

  • Moratorium period: You pay only interest. No principal repayment. Common in construction loans — the project is generating no revenue yet.
  • EMI calculation: Standard reducing-balance EMI on the full principal, over the remaining tenure after moratorium.
  • Note: This calculator assumes a single full disbursement. If your loan is milestone-linked with tranches, actual interest during construction will be lower.

Need help structuring the loan itself?

The rate and EMI are just the start. Draw schedule, tenure, moratorium, and covenants shape the real cost. We help you get these right before signing.

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