Prestige Kodagurki EMI Calculator

An EMI has two parts, the principal and the interest. Early instalments carry more interest. Later ones carry more principal. The monthly figure itself stays level across the loan. It rests on three inputs. The loan amount is the home price less your down payment. The interest rate is the annual rate your bank charges. The tenure is the number of years you take to repay. A longer tenure lowers the EMI but raises the total interest you pay.

The table below shows illustrative EMIs at an assumed rate of 8.5% per year. Your actual rate depends on your bank and profile. Use these only as a guide.

These figures are illustrative, at an assumed 8.5% per year. Home loan rates and terms vary by bank. Confirm the live rate and tenure with your lender before you plan.

Your loan amount starts from the home price, so the configuration you choose sets the range.

• 2 BHK (1,100 - 1,300 sq. ft.) from Rs 92 Lakh, the entry home.
• 3 BHK Compact (1,450 - 1,650 sq. ft.) from Rs 1.21 Crore.
• 3 BHK Large (1,700 - 1,950 sq. ft.) from Rs 1.42 Crore.
• 4 BHK (2,200 - 2,700 sq. ft.) from Rs 1.84 Crore, up to Rs 2.26 Crore.

Banks usually fund a part of the home value, not all of it. So your loan is the home price less your own contribution, stamp duty and registration. These are indicative pre-launch figures, confirmed on the cost sheet.

Three inputs move the EMI. A larger loan raises it. A higher interest rate raises it. A longer tenure lowers the monthly figure but adds to the total interest over the loan. So a buyer choosing a 4 BHK over a 2 BHK sees a higher EMI at the same rate and tenure. Run the numbers for your own configuration and down payment before you commit.

Your down payment determines your total borrowing requirements—putting down a larger sum reduces both your loan balance and ongoing EMI. For instance, a 20% down payment on a ₹92 Lakh 2 BHK requires ₹18.4 Lakh in cash upfront, leaving a principal of ₹73.6 Lakh. At an 8.5% interest rate over 20 years, that yields a monthly EMI of around ₹63,900. Remember to factor in initial statutory charges like stamp duty, registration, and GST at booking, and structure the total loan so the EMI remains well within your monthly comfort zone.

Prestige Kodagurki is a pre-launch project by the Prestige Group. The pre-launch is in October 2026, with the launch planned for December 2026. Possession is targeted for December 2031. A home loan for an under-construction home is usually drawn in step with the construction stages. The RERA number is awaited, so make no payment until the project is registered. Verify the status on the Karnataka RERA portal before booking.