Down Payment Calculator
See how much cash you actually need upfront — down payment, stamp duty and registration — the moment you enter the price.
- Free — no sign-up
- Instant, on-screen results
- Built by our CA · CS team
- Rules cited on the page
Enter your figures — the result on the right updates as you type.
Upfront cash breakdown
Get the best home / car loan rate
Our advisors compare lenders and help you get sanctioned at the lowest EMI.
Disclaimer: Indicative estimate. Actual LTV, sanction amount, stamp duty and registration depend on the lender, your credit profile and state rules. We do not lend — the lender sanctions.
The down payment is the cash you bring
A lender never funds 100% of the price. It sets a Loan-to-Value (LTV) ratio — say 80% — and lends that share. The rest, plus stamp duty and registration, is your down payment: the money you must arrange before possession. A higher down payment means a smaller loan, lower EMI and less total interest.
RBI LTV caps — home loans
The Reserve Bank of India caps how much of a property's value a bank can lend, based on the loan ticket size. Stamp duty, registration and other charges are excluded from this value, so you fund them yourself.
| Loan up to ₹30 lakh | Up to 90% |
| Loan ₹30 lakh – ₹75 lakh | Up to 80% |
| Loan above ₹75 lakh | Up to 75% |
| New car (ex-showroom) | 80% – 90% |
| New car (on-road) | Up to 85% |
| Used car | 60% – 80% |
Worked example — ₹50 lakh home, 80% LTV
Here is exactly how the cash you need upfront is built up for a ₹50,00,000 property at 80% LTV with 7% stamp duty and registration.
Key terms explained
Loan-to-Value (LTV)
The share of the asset's value a lender will finance. At 80% LTV on a ₹50L property, the bank lends ₹40L and you fund the ₹10L balance. RBI caps home-loan LTV at 75%–90% by ticket size.
Down payment
Your own contribution = price minus the sanctioned loan. It is usually 10%–25% of a home's value. A bigger down payment shrinks the loan and the EMI, and often earns a better interest rate.
Stamp duty & registration
State charges to legally transfer and register the property — typically 4%–8% of value. Banks don't fund these, so they add to the cash you need upfront, over and above the down payment.
Why a higher down payment lowers EMI
EMI depends on the loan amount. Pay more upfront and you borrow less, so the monthly EMI and the total interest paid over the tenure both fall — a larger down payment is the cheapest way to cut lifetime interest.
Questions people ask
Short answers on Down Payment Calculator. Tap a question to open it.
01How much down payment is needed for a home loan?
Lenders finance up to 90% of property value for loans up to ₹30 lakh, up to 80% for loans between ₹30 lakh and ₹75 lakh, and up to 75% above that. So the down payment is roughly 10% to 25% of the property value.
02Is stamp duty and registration included in the loan?
No. Banks compute loan-to-value on the property value excluding stamp duty, registration and other charges, so those have to be funded from your own money on top of the down payment.
03What is the down payment on a car loan?
Lenders usually finance 80% to 90% of the ex-showroom price. Insurance, road tax, registration and accessories are generally not financed, so plan for those separately.
04Does a larger down payment help?
Yes. It reduces the loan, the EMI and the total interest, and often gets you a better interest rate because the loan-to-value ratio is lower. Weigh that against keeping an emergency fund intact.
05Can I use a personal loan for the down payment?
Lenders discourage it and usually detect it in bank statements. It raises your obligations ratio and can lead to the home loan being reduced or declined.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.