SIP to Recover Loan Interest

A small SIP alongside your EMI that earns back the interest.

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About this calculator

A home loan can cost as much in interest as the loan itself. A modest SIP running alongside your EMI could earn that interest back by the time the loan ends.

How is this calculated?

Total interest is worked out from the standard EMI schedule. The SIP needed is that amount divided by the future value of ₹1 invested monthly over the loan tenure at the assumed return.

Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.