Loan closure planner

Enter the loan as it stands today. The plan shows what you'd owe at closure, including the fee, and whether your savings and lump sums cover it.

Principal outstanding today (₹)

Interest rate (% a year)

Monthly EMI (₹)

EMIs paid so far

Month of your next EMI

Close after how many more EMIs

You save each month (₹)

Foreclosure fee (%)Leave blank to use HDFC's slabs by EMIs paid

Add 18% GST on the fee

Lump sums you expect

Month 1 is the month of your next EMI. A lump sum counts from the month you enter.

WhatAmount (₹)Month no.

The total leaves out interest for the few days between your last EMI and the closure date, usually a small amount. HDFC's current personal loan slabs are 4% of principal outstanding up to 24 EMIs, 3% for 25 to 36, and 2% after, plus GST. Enter your lender's rate if it differs.