Calculate your Federal Bank home loan EMI.
Use this calculator with Federal Bank's typical rate range. See your EMI, the tax-adjusted effective cost, and full amortization schedule. Independent of Federal Bank — we don't sell loans or pass your details to anyone.
What this loan really looks like
The lifetime split is only part of the story. These show how the principal/interest mix shifts year by year, how slowly the balance falls, and the month your payment finally tips toward principal.
About Federal Bank home loans
Federal Bank, headquartered in Kerala, has a strong presence in South India and competitive home loan rates. The bank offers FedBook Selfie app integration for application tracking and is known for relatively fast turnaround.
Federal Bank home loan at a glance
| Typical rate range | 8.55% to 12.05% |
|---|---|
| Maximum tenure | 30 years |
| Maximum loan amount | up to ₹15 crore subject to repayment capacity and property value |
| Eligibility (age) | salaried minimum age 21, self-employed minimum age 24; maximum age at loan maturity 70 |
| Processing fee | 0.50% of loan amount (minimum ₹3,000) + GST |
Federal Bank home loan highlights
- FedHome — fully digital home loan application
- Pre-approved loans for existing salary account holders
- No prepayment charges on floating-rate loans
- Joint application allowed with spouse, parents, or siblings for higher eligibility
- NRI home loan products for non-resident Indians
Disclaimer: indiaemi.com is not affiliated with Federal Bank. The rate ranges, eligibility criteria, and other figures shown here are based on publicly available information and may change without notice. Always confirm current rates and terms directly with Federal Bank before making any loan decision.
Tax benefits apply equally — regardless of which bank
The Income Tax Act sections (24(b), 80C, 80EEA) apply to all home loans from approved Indian banks and housing finance companies — Federal Bank loans are no exception. The calculator above incorporates these benefits automatically. For more on home loan tax benefits, see our how EMI works and glossary pages.
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