Quick Summary: NRI Home Loan EMI

For FY 2026-27, NRIs can claim up to ₹2.00L deduction on home loan interest under Section 24(b) for self-occupied properties. For let-out properties, the entire interest is deductible against rental income, significantly reducing the effective EMI.

How to use the NRI Home Loan EMI

  1. Enter Loan Details

    Input the principal amount, interest rate, and tenure of the Indian home loan.

  2. Add Rental Income

    Input expected monthly rent from the property to find the cashflow gap.

  3. Apply Tax Shields

    Calculate deductions under Section 24(b) (Interest) and Section 80C (Principal).

  4. Review Effective EMI

    See your net monthly cost after rental income and tax savings.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.