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The Union Bank Home Loan EMI Calculator is an easy-to-use tool that gives you an estimate of your repayment amount. This also helps you find out the repayment tenure will suit your budget.

 

By ensuring that the EMIs align with your budget, you can ensure affordability all through the repayment process. In simple terms, the UBI Home Loan calculator can help you prioritise your financial wellbeing when getting the funding you need. 


Read on to know more about the Union Bank of India Home Loan EMI Calculator.

Calculate Union Bank Home Loan EMI Online

Loan Amount
₹ 1 L
₹ 10 L
₹ 1 Cr
₹ 10 Cr
Tenure
Months
12 M
246 M
480 M
Rate of Interest
6.00%
10.50%
15.00%
Home Loan
Your Monthly Home Loan EMI
₹6,199.28
Principal Amount
₹5,00,000
Total Interest
₹2,43,914.13
Total Amount Payable
₹7,43,914.13
Amortization Schedule
Download Amortization Schedule Download
Expand Amortization Schedule
Year Payable Amount Principal Interest Balance
2025 ₹ 55,791 ₹ 24,607 ₹ 31,187 ₹ 4,75,392
Apr₹ 6,199₹ 2,658₹ 3,542₹ 4,97,342
May₹ 6,199₹ 2,676₹ 3,523₹ 4,94,666
Jun₹ 6,199₹ 2,695₹ 3,504₹ 4,91,971
Jul₹ 6,199₹ 2,714₹ 3,485₹ 4,89,256
Aug₹ 6,199₹ 2,734₹ 3,466₹ 4,86,522
Sep₹ 6,199₹ 2,753₹ 3,446₹ 4,83,769
Oct₹ 6,199₹ 2,773₹ 3,427₹ 4,80,997
Nov₹ 6,199₹ 2,792₹ 3,407₹ 4,78,204
Dec₹ 6,199₹ 2,812₹ 3,387₹ 4,75,392
2026 ₹ 74,388 ₹ 35,339 ₹ 39,053 ₹ 4,40,054
Jan₹ 6,199₹ 2,832₹ 3,367₹ 4,72,561
Feb₹ 6,199₹ 2,852₹ 3,347₹ 4,69,709
Mar₹ 6,199₹ 2,872₹ 3,327₹ 4,66,836
Apr₹ 6,199₹ 2,893₹ 3,307₹ 4,63,944
May₹ 6,199₹ 2,913₹ 3,286₹ 4,61,031
Jun₹ 6,199₹ 2,934₹ 3,266₹ 4,58,097
Jul₹ 6,199₹ 2,954₹ 3,245₹ 4,55,143
Aug₹ 6,199₹ 2,975₹ 3,224₹ 4,52,167
Sep₹ 6,199₹ 2,996₹ 3,203₹ 4,49,171
Oct₹ 6,199₹ 3,018₹ 3,182₹ 4,46,153
Nov₹ 6,199₹ 3,039₹ 3,160₹ 4,43,114
Dec₹ 6,199₹ 3,061₹ 3,139₹ 4,40,054
2027 ₹ 74,388 ₹ 38,461 ₹ 35,929 ₹ 4,01,592
Jan₹ 6,199₹ 3,082₹ 3,117₹ 4,36,972
Feb₹ 6,199₹ 3,104₹ 3,095₹ 4,33,867
Mar₹ 6,199₹ 3,126₹ 3,073₹ 4,30,741
Apr₹ 6,199₹ 3,148₹ 3,051₹ 4,27,593
May₹ 6,199₹ 3,170₹ 3,029₹ 4,24,423
Jun₹ 6,199₹ 3,193₹ 3,006₹ 4,21,230
Jul₹ 6,199₹ 3,216₹ 2,984₹ 4,18,014
Aug₹ 6,199₹ 3,238₹ 2,961₹ 4,14,776
Sep₹ 6,199₹ 3,261₹ 2,938₹ 4,11,515
Oct₹ 6,199₹ 3,284₹ 2,915₹ 4,08,230
Nov₹ 6,199₹ 3,308₹ 2,892₹ 4,04,923
Dec₹ 6,199₹ 3,331₹ 2,868₹ 4,01,592
2028 ₹ 74,388 ₹ 41,863 ₹ 32,531 ₹ 3,59,729
Jan₹ 6,199₹ 3,355₹ 2,845₹ 3,98,237
Feb₹ 6,199₹ 3,378₹ 2,821₹ 3,94,858
Mar₹ 6,199₹ 3,402₹ 2,797₹ 3,91,456
Apr₹ 6,199₹ 3,426₹ 2,773₹ 3,88,030
May₹ 6,199₹ 3,451₹ 2,749₹ 3,84,579
Jun₹ 6,199₹ 3,475₹ 2,724₹ 3,81,104
Jul₹ 6,199₹ 3,500₹ 2,699₹ 3,77,604
Aug₹ 6,199₹ 3,525₹ 2,675₹ 3,74,079
Sep₹ 6,199₹ 3,550₹ 2,650₹ 3,70,530
Oct₹ 6,199₹ 3,575₹ 2,625₹ 3,66,955
Nov₹ 6,199₹ 3,600₹ 2,599₹ 3,63,355
Dec₹ 6,199₹ 3,626₹ 2,574₹ 3,59,729
2029 ₹ 74,388 ₹ 45,561 ₹ 28,829 ₹ 3,14,167
Jan₹ 6,199₹ 3,651₹ 2,548₹ 3,56,078
Feb₹ 6,199₹ 3,677₹ 2,522₹ 3,52,401
Mar₹ 6,199₹ 3,703₹ 2,496₹ 3,48,698
Apr₹ 6,199₹ 3,729₹ 2,470₹ 3,44,969
May₹ 6,199₹ 3,756₹ 2,444₹ 3,41,213
Jun₹ 6,199₹ 3,782₹ 2,417₹ 3,37,431
Jul₹ 6,199₹ 3,809₹ 2,390₹ 3,33,622
Aug₹ 6,199₹ 3,836₹ 2,363₹ 3,29,785
Sep₹ 6,199₹ 3,863₹ 2,336₹ 3,25,922
Oct₹ 6,199₹ 3,891₹ 2,309₹ 3,22,031
Nov₹ 6,199₹ 3,918₹ 2,281₹ 3,18,113
Dec₹ 6,199₹ 3,946₹ 2,253₹ 3,14,167
2030 ₹ 74,388 ₹ 49,591 ₹ 24,803 ₹ 2,64,578
Jan₹ 6,199₹ 3,974₹ 2,225₹ 3,10,193
Feb₹ 6,199₹ 4,002₹ 2,197₹ 3,06,191
Mar₹ 6,199₹ 4,030₹ 2,169₹ 3,02,161
Apr₹ 6,199₹ 4,059₹ 2,140₹ 2,98,102
May₹ 6,199₹ 4,088₹ 2,112₹ 2,94,014
Jun₹ 6,199₹ 4,117₹ 2,083₹ 2,89,897
Jul₹ 6,199₹ 4,146₹ 2,053₹ 2,85,752
Aug₹ 6,199₹ 4,175₹ 2,024₹ 2,81,576
Sep₹ 6,199₹ 4,205₹ 1,995₹ 2,77,372
Oct₹ 6,199₹ 4,235₹ 1,965₹ 2,73,137
Nov₹ 6,199₹ 4,265₹ 1,935₹ 2,68,872
Dec₹ 6,199₹ 4,295₹ 1,905₹ 2,64,578
2031 ₹ 74,388 ₹ 53,973 ₹ 20,419 ₹ 2,10,605
Jan₹ 6,199₹ 4,325₹ 1,874₹ 2,60,252
Feb₹ 6,199₹ 4,356₹ 1,843₹ 2,55,897
Mar₹ 6,199₹ 4,387₹ 1,813₹ 2,51,510
Apr₹ 6,199₹ 4,418₹ 1,782₹ 2,47,092
May₹ 6,199₹ 4,449₹ 1,750₹ 2,42,643
Jun₹ 6,199₹ 4,481₹ 1,719₹ 2,38,163
Jul₹ 6,199₹ 4,512₹ 1,687₹ 2,33,650
Aug₹ 6,199₹ 4,544₹ 1,655₹ 2,29,106
Sep₹ 6,199₹ 4,576₹ 1,623₹ 2,24,530
Oct₹ 6,199₹ 4,609₹ 1,590₹ 2,19,921
Nov₹ 6,199₹ 4,642₹ 1,558₹ 2,15,279
Dec₹ 6,199₹ 4,674₹ 1,525₹ 2,10,605
2032 ₹ 74,388 ₹ 58,744 ₹ 15,648 ₹ 1,51,861
Jan₹ 6,199₹ 4,708₹ 1,492₹ 2,05,897
Feb₹ 6,199₹ 4,741₹ 1,458₹ 2,01,157
Mar₹ 6,199₹ 4,774₹ 1,425₹ 1,96,382
Apr₹ 6,199₹ 4,808₹ 1,391₹ 1,91,574
May₹ 6,199₹ 4,842₹ 1,357₹ 1,86,732
Jun₹ 6,199₹ 4,877₹ 1,323₹ 1,81,855
Jul₹ 6,199₹ 4,911₹ 1,288₹ 1,76,944
Aug₹ 6,199₹ 4,946₹ 1,253₹ 1,71,998
Sep₹ 6,199₹ 4,981₹ 1,218₹ 1,67,017
Oct₹ 6,199₹ 5,016₹ 1,183₹ 1,62,001
Nov₹ 6,199₹ 5,052₹ 1,148₹ 1,56,949
Dec₹ 6,199₹ 5,088₹ 1,112₹ 1,51,861
2033 ₹ 74,388 ₹ 63,935 ₹ 10,456 ₹ 87,925
Jan₹ 6,199₹ 5,124₹ 1,076₹ 1,46,738
Feb₹ 6,199₹ 5,160₹ 1,039₹ 1,41,578
Mar₹ 6,199₹ 5,196₹ 1,003₹ 1,36,381
Apr₹ 6,199₹ 5,233₹ 966₹ 1,31,148
May₹ 6,199₹ 5,270₹ 929₹ 1,25,878
Jun₹ 6,199₹ 5,308₹ 892₹ 1,20,570
Jul₹ 6,199₹ 5,345₹ 854₹ 1,15,225
Aug₹ 6,199₹ 5,383₹ 816₹ 1,09,842
Sep₹ 6,199₹ 5,421₹ 778₹ 1,04,421
Oct₹ 6,199₹ 5,460₹ 740₹ 98,961
Nov₹ 6,199₹ 5,498₹ 701₹ 93,463
Dec₹ 6,199₹ 5,537₹ 662₹ 87,925
2034 ₹ 74,388 ₹ 69,587 ₹ 4,804 ₹ 18,338
Jan₹ 6,199₹ 5,576₹ 623₹ 82,349
Feb₹ 6,199₹ 5,616₹ 583₹ 76,733
Mar₹ 6,199₹ 5,656₹ 544₹ 71,077
Apr₹ 6,199₹ 5,696₹ 503₹ 65,381
May₹ 6,199₹ 5,736₹ 463₹ 59,645
Jun₹ 6,199₹ 5,777₹ 422₹ 53,869
Jul₹ 6,199₹ 5,818₹ 382₹ 48,051
Aug₹ 6,199₹ 5,859₹ 340₹ 42,192
Sep₹ 6,199₹ 5,900₹ 299₹ 36,291
Oct₹ 6,199₹ 5,942₹ 257₹ 30,349
Nov₹ 6,199₹ 5,984₹ 215₹ 24,365
Dec₹ 6,199₹ 6,027₹ 173₹ 18,338
2035 ₹ 18,597 ₹ 18,337 ₹ 261 ₹ 0
Jan₹ 6,199₹ 6,069₹ 130₹ 12,269
Feb₹ 6,199₹ 6,112₹ 87₹ 6,156
Mar₹ 6,199₹ 6,156₹ 44₹ 0

How to Use Union Bank Home Loan EMI Calculator

To use the Union Bank home loan EMI calculator, you must determine the following variables first:

  • Loan amount

  • Preferred repayment tenure

  • Expected interest rate

     

Once you have ascertained these variables, enter these in the respective field on the Union Bank housing loan EMI calculator. Once you do that, the algorithm-based tool will calculate your EMI obligation within seconds.

 

You can even access the amortisation schedule to get a clear overview of your payments all through the tenure. This can help plan payments and give you a holistic idea of the undertaking. 

Union Bank Home Loan EMI at Different Tenures

You can acquire a Union Bank home loan and repay the same over a tenure of up to 30 years. Your EMI obligations at different tenures with an interest rate of 7% p.a. will look as follows:

Principal Home Loan Amount

Annual Interest Rate 

10-Year tenure

15-Year tenure

20-Year tenure

30-Year tenure

₹20 Lakhs

7%

₹23,222

₹17,977

₹15,506

₹13,306

₹30 Lakhs

7%

₹34,833

₹26,965

₹23,259

₹19,959

₹50 Lakhs

7%

₹58,054

₹44,941

₹38,765

₹33,265

₹75 Lakhs

7%

₹87,081

₹67,412

₹58,147

₹49,898

₹1 Crores

7%

₹1,16,108

₹89,883

₹77,530

₹66,530

Disclaimer: The above calculations are an estimate and actual amounts may vary depending on the terms.

Disclaimer

The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Union Bank Home Loan EMI Calculator FAQs

What is the best way to calculate EMI for a Union Home Loan?

One of the best ways to calculate the EMI for a Union Bank home loan is to use the UBI housing loan EMI calculator. With it you can get instant and accurate results, ensuring that your decision prioritises your current and future financial wellbeing.

How does Union Bank home loan EMI calculator help with planning my home purchase?

The Union Bank home loan EMI calculator gives you an estimate of your EMI for different loan terms. With it, you can find the loan amount which has manageable EMIs without the cost being too high. Since it is free of cost and you can use it as many times as needed, you can try different permutations and combinations to find the ideal loan terms.

 

How can part-prepayments impact my Union Bank home loan EMI amount?

If you make a part-prepayment of your Union Bank home loan, you can either get your EMI reduced or ask for a reduction in your repayment tenure. Not to mention that you will also save on the interest amount by reducing your overall repayment liability. 

 

Can I get my Union Bank home loan EMI amount reduced?

Yes, you can get your Union Bank home loan EMI reduced by either opting for a longer loan repayment tenure, making a sizable downpayment on your home loan, or even going for a smaller home loan amount. Alternatively, if you have a CIBIL score of 750 or above, you can leverage the same to negotiate interest rates with your lender.

 

Why should I calculate my Union Bank of India home loan EMI in advance before taking a loan?

The main benefit of calculating your EMIs in advance is that you can assess whether these EMIs are payable, and identify the amount that can afford to comfortably pay each month as EMI. 

 

You can also discover the maximum loan amount you can be eligible for as well as the applicable rate for it. This reduces your chances of default, keeping your creditworthiness intact for future borrowings.

 

How to pay your Union Bank of India Home loan EMI?

You can pay through your savings account or debit/credit card. 

 

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