LIC Home Loan EMI Calculator

The LIC Home Loan EMI Calculator, powered by LIC Housing Finance Ltd. (LIC HFL), one of India’s most reputable lenders, allows you to quickly estimate your monthly repayments. This tool makes sure you understand exactly what you’re getting into before you sign the contract, whether you’re an NRI investing in Bengaluru, a family upgrading in Mumbai, or a first-time buyer in Delhi.

• 100% Free & Instant Results
• Works for all LIC HFL loan products
• Tailored for both Indians & NRIs

'; } } // EMI Calculation Formula function calculateEMI(p, r, n) { if (r === 0) return p / n; const emi = p * r * Math.pow(1 + r, n) / (Math.pow(1 + r, n) - 1); return emi; } // Function to update slider track fill function updateSliderFill(slider) { const min = parseFloat(slider.min); const max = parseFloat(slider.max); const value = parseFloat(slider.value); const percentage = ((value - min) / (max - min)) * 100; slider.style.setProperty('--value-percent', `${percentage}%`); } // Function to update the Doughnut Chart function updateChart(principal, totalInterest) { // ... (Chart logic remains the same) const ctx = chartCanvas.getContext('2d'); if (emiChartInstance) { emiChartInstance.destroy(); } const chartData = (principal <= 0 && totalInterest <= 0) ? [1] : [principal, totalInterest]; const chartLabels = (principal <= 0 && totalInterest <= 0) ? ['No Data'] : ['Principal Loan', 'Total Interest']; const chartColors = (principal <= 0 && totalInterest <= 0) ? ['#e0e0e0'] : ['#1D4E9E', '#ADD8E6']; emiChartInstance = new Chart(ctx, { type: 'doughnut', data: { labels: chartLabels, datasets: [{ data: chartData, backgroundColor: chartColors, borderColor: '#ffffff', borderWidth: 2, hoverOffset: 4 }] }, options: { responsive: true, maintainAspectRatio: true, cutout: '70%', plugins: { legend: { display: false }, tooltip: { callbacks: { label: function(c) { let l = c.label||''; if(l)l+=': '; if(c.parsed!==null&&principal>0){l+=formatCurrency(c.parsed);}else if(principal<=0&&totalInterest<=0){l="Enter valid data";} return l; } } } }, animation: { animateScale: true, animateRotate: true } } }); } // Function to generate the repayment schedule function generateRepaymentSchedule(principal, monthlyRate, tenureMonths, baseEmi) { // ... (Schedule generation logic remains the same) yearListContainer.innerHTML = ''; if (principal <= 0 || monthlyRate < 0 || tenureMonths <= 0) return; let balance = principal; const scheduleByYear = {}; const monthNames = ["Jan", "Feb", "Mar", "Apr", "May", "Jun", "Jul", "Aug", "Sep", "Oct", "Nov", "Dec"]; let currentYear = new Date().getFullYear(); let currentMonthIndex = new Date().getMonth(); for (let i = 1; i <= tenureMonths; i++) { let emi = baseEmi; const interestPayment = balance * monthlyRate; let principalPayment = emi - interestPayment; if (i === tenureMonths || (balance - principalPayment) < 0.01) { principalPayment = balance; emi = principalPayment + interestPayment; } const beginningBalance = balance; balance -= principalPayment; if (balance < 0) balance = 0; const displayMonthIndex = (currentMonthIndex + i - 1) % 12; const displayYear = currentYear + Math.floor((currentMonthIndex + i - 1) / 12); const displayMonthName = monthNames[displayMonthIndex]; if (!scheduleByYear[displayYear]) { scheduleByYear[displayYear] = []; } scheduleByYear[displayYear].push({ month: displayMonthName, beginningBalance: beginningBalance, emi: emi, principal: principalPayment, interest: interestPayment, endingBalance: balance }); } const sortedYears = Object.keys(scheduleByYear).sort((a, b) => a - b); sortedYears.forEach(year => { const yearEntryDiv = document.createElement('div'); yearEntryDiv.className = 'year-entry'; const yearToggleButton = document.createElement('button'); yearToggleButton.className = 'year-toggle'; yearToggleButton.innerHTML = `${year} ▼`; yearToggleButton.setAttribute('data-year', year); const monthlyDetailsDiv = document.createElement('div'); monthlyDetailsDiv.className = 'monthly-details'; const tableResponsiveDiv = document.createElement('div'); tableResponsiveDiv.className = 'table-responsive'; const table = document.createElement('table'); const thead = table.createTHead(); const tbody = table.createTBody(); const headerRow = thead.insertRow(); const headers = ['Month', 'Beginning Balance', 'EMI', 'Principal', 'Interest', 'Ending Balance']; headers.forEach(text => { const th = document.createElement('th'); th.textContent = text; headerRow.appendChild(th); }); scheduleByYear[year].forEach(monthData => { const row = tbody.insertRow(); row.insertCell().textContent = monthData.month; row.insertCell().textContent = formatCurrency(monthData.beginningBalance); row.insertCell().textContent = formatCurrency(monthData.emi); row.insertCell().textContent = formatCurrency(monthData.principal); row.insertCell().textContent = formatCurrency(monthData.interest); row.insertCell().textContent = formatCurrency(monthData.endingBalance); }); tableResponsiveDiv.appendChild(table); monthlyDetailsDiv.appendChild(tableResponsiveDiv); yearEntryDiv.appendChild(yearToggleButton); yearEntryDiv.appendChild(monthlyDetailsDiv); yearListContainer.appendChild(yearEntryDiv); }); } // Function for Share Button async function shareCalculator() { // ... (Share logic remains the same) const principal = parseFloat(loanAmountInput.value) || 0; const annualRate = parseFloat(interestRateInput.value) || 0; const tenureMonths = parseInt(tenureInput.value, 10) || 0; if (principal <= 0 || annualRate <= 0 || tenureMonths <= 0) { alert("Please enter valid loan details before sharing."); return; } const monthlyRate = annualRate / 12 / 100; const emi = calculateEMI(principal, monthlyRate, tenureMonths); const shareData = { title: 'LIC Home Loan EMI Calculation', text: `Check out my LIC Home Loan EMI Calculation:\nLoan Amount: ${formatCurrency(principal)}\nInterest Rate: ${annualRate.toFixed(2)}%\nTenure: ${tenureMonths} months\nCalculated EMI: ${formatCurrency(emi)}\n`, url: window.location.href }; try { if (navigator.share) { await navigator.share(shareData); } else { alert('Web Share API not supported.'); } } catch (err) { console.error('Error sharing:', err); if (err.name !== 'AbortError') { alert(`Error sharing: ${err.message}`); } } } // --- NEW: Input Validation and Sync Logic --- function validateAndUpdateInput(inputElement, sliderElement, isFloat = false) { const min = parseFloat(inputElement.min); const max = parseFloat(inputElement.max); let value = isFloat ? parseFloat(inputElement.value) : parseInt(inputElement.value, 10); // Handle non-numeric input or empty string if (isNaN(value)) { // Optionally set to min or leave as is, depending on desired behavior // For now, let's revert to slider value if input is invalid value = isFloat ? parseFloat(sliderElement.value) : parseInt(sliderElement.value, 10); } // Clamp value within min/max if (value < min) value = min; if (value > max) value = max; // Update the input field with the validated/clamped value // Use toFixed for float values to maintain precision matching step attribute inputElement.value = isFloat ? value.toFixed(2) : value; // Update the corresponding slider if (sliderElement.value != value) { // Check prevents infinite loops if values are already same sliderElement.value = value; updateSliderFill(sliderElement); // Update slider visual fill } // Trigger recalculation AFTER validation and sync calculateAndDisplayEMI(); } // --- Event Listeners --- // Loan Amount Listeners loanAmountInput.addEventListener('input', () => { // Basic validation for loan amount input let value = parseFloat(loanAmountInput.value); const min = parseFloat(loanAmountInput.min); const max = parseFloat(loanAmountInput.max); if (isNaN(value)) return; // Don't proceed if not a number if (value > max) loanAmountInput.value = max; // Don't clamp min here, allow typing lower values temporarily before blur/change loanAmountSlider.value = loanAmountInput.value; // Sync slider immediately updateSliderFill(loanAmountSlider); calculateAndDisplayEMI(); }); loanAmountInput.addEventListener('change', () => { // Use 'change' for final validation after typing let value = parseFloat(loanAmountInput.value); const min = parseFloat(loanAmountInput.min); if (isNaN(value) || value < min) { loanAmountInput.value = min; // Set to min if invalid or below min } loanAmountSlider.value = loanAmountInput.value; updateSliderFill(loanAmountSlider); calculateAndDisplayEMI(); // Recalculate with potentially corrected value }); loanAmountSlider.addEventListener('input', () => { loanAmountInput.value = loanAmountSlider.value; // Sync input field updateSliderFill(loanAmountSlider); calculateAndDisplayEMI(); }); // Tenure Listeners (Slider + Input) tenureSlider.addEventListener('input', () => { tenureInput.value = tenureSlider.value; // Sync input from slider updateSliderFill(tenureSlider); calculateAndDisplayEMI(); }); tenureInput.addEventListener('input', () => { // Validate and sync slider while typing, trigger calculation validateAndUpdateInput(tenureInput, tenureSlider, false); }); tenureInput.addEventListener('change', () => { // Final validation on blur/enter validateAndUpdateInput(tenureInput, tenureSlider, false); }); // Interest Rate Listeners (Slider + Input) interestRateSlider.addEventListener('input', () => { interestRateInput.value = parseFloat(interestRateSlider.value).toFixed(2); // Sync input from slider, maintain decimals updateSliderFill(interestRateSlider); calculateAndDisplayEMI(); }); interestRateInput.addEventListener('input', () => { // Validate and sync slider while typing, trigger calculation validateAndUpdateInput(interestRateInput, interestRateSlider, true); }); interestRateInput.addEventListener('change', () => { // Final validation on blur/enter validateAndUpdateInput(interestRateInput, interestRateSlider, true); }); // Share Button Listener shareButton.addEventListener('click', shareCalculator); // Accordion Logic Listeners (Remain Same) scheduleToggleButton.addEventListener('click', () => { const isOpen = scheduleWrapper.classList.toggle('show'); scheduleToggleButton.classList.toggle('active', isOpen); if (isOpen) { scheduleWrapper.style.display = 'block'; setTimeout(() => { scheduleWrapper.style.maxHeight = scheduleWrapper.scrollHeight + "px"; }, 10); } else { scheduleWrapper.style.maxHeight = "0"; scheduleWrapper.addEventListener('transitionend', () => { if (!scheduleWrapper.classList.contains('show')) { scheduleWrapper.style.display = 'none'; } }, { once: true }); } }); yearListContainer.addEventListener('click', (event) => { const yearToggle = event.target.closest('.year-toggle'); if (!yearToggle) return; const currentYearEntry = yearToggle.closest('.year-entry'); const monthlyDetails = currentYearEntry.querySelector('.monthly-details'); const isOpening = !monthlyDetails.classList.contains('show'); const allMonthlyDetails = yearListContainer.querySelectorAll('.monthly-details'); const allYearToggles = yearListContainer.querySelectorAll('.year-toggle'); allYearToggles.forEach(toggle => { if (toggle !== yearToggle) { toggle.classList.remove('active'); } }); allMonthlyDetails.forEach(details => { if (details !== monthlyDetails) { details.classList.remove('show'); details.style.maxHeight = '0'; } }); yearToggle.classList.toggle('active', isOpening); monthlyDetails.classList.toggle('show', isOpening); if (isOpening) { monthlyDetails.style.maxHeight = monthlyDetails.scrollHeight + "px"; } else { monthlyDetails.style.maxHeight = "0"; } if (scheduleWrapper.classList.contains('show')) { scheduleWrapper.style.maxHeight = scheduleWrapper.scrollHeight + "px"; } }); // --- Initial Calculation and Setup on Load --- function initializeCalculator() { // Set initial slider fills based on default values updateSliderFill(loanAmountSlider); updateSliderFill(tenureSlider); updateSliderFill(interestRateSlider); // Perform initial calculation calculateAndDisplayEMI(); } initializeCalculator(); // Run initialization // --- End of Calculator Logic --- /* --- Tool Script End (lic/lic-home-loan-emi) --- */ } catch(e) { console.error('Calculator Point: Error executing script inside #'+wrapperId+':', e); } }; // End initCalculatorScript function if (document.readyState === 'loading') { document.addEventListener('DOMContentLoaded', initCalculatorScript); } else { initCalculatorScript(); } })('calc-wrap-lic-lic-home-loan-emi-e79cd1ad'); //]]>