A Prestige Parklane EMI starts around ₹37,500 a month for the ₹56 lakh 1 BHK, assuming an 80 per cent loan at 8 per cent over 20 years. Every configuration in the project maps the same way, from the 2 BHK Optima to the 3 BHK Ultima. This guide works the numbers for each home, shows the EMI per lakh at different rates, and explains what sits outside the EMI.
Every calculator runs the same formula: the loan amount, the monthly interest rate and the tenure in months decide a fixed instalment. Three levers move your number, and only three.
Multiply the figure below by your loan in lakhs and you have your EMI without any tool at all.
| Rate | 15 years | 20 years | 25 years |
| 7.5 per cent | ₹927 | ₹806 | ₹739 |
| 8 per cent | ₹956 | ₹836 | ₹772 |
| 8.5 per cent | ₹985 | ₹868 | ₹805 |
| 9 per cent | ₹1,014 | ₹900 | ₹839 |
The table assumes the maximum bank funding each price allows, 80 per cent up to ₹75 lakh and 75 per cent above it, at 8 per cent over 20 years. Your sanction and rate will set the exact figure.
| Home | Launch price from | Loan assumed | Indicative EMI |
| 1 BHK Classic, 567 sq ft | ₹56 lakh | ₹44.8 lakh | About ₹37,500 |
| 2 BHK Optima, 828 sq ft | ₹82 lakh | ₹65.6 lakh | About ₹54,800 |
| 2 BHK Ultima, 1,087 sq ft | ₹1.02 crore | ₹76.5 lakh | About ₹64,000 |
| 3 BHK Aspire, 1,445 sq ft | ₹1.32 crore | ₹99 lakh | About ₹82,800 |
| 3 BHK Premia, 1,597 sq ft | ₹1.46 crore | ₹1.1 crore | About ₹91,500 |
| 3 BHK Ultima, 1,757 sq ft | ₹1.64 crore | ₹1.23 crore | About ₹1,02,800 |
Budget the costs that stay outside the loan, because they arrive from your own funds. GST runs at 5 per cent on every payment, stamp duty and registration at 7.65 per cent, and other charges of saleable area × ₹415 plus ₹25,000 fall due at possession.
On the ₹56 lakh 1 BHK those extras take the all-in cost to about ₹65.9 lakh, against a bank loan of ₹44.8 lakh. The gap is what your savings must bridge across the four-year payment plan.
Because the payment plan is time-linked, the bank releases money gradually: 20 per cent across booking and agreement, then 3.2 per cent every two months from December 2026 to October 2030. Your interest cost grows with each release rather than starting at the full figure.
During construction you can pay pre-EMI, interest only on the amount drawn, or start the full EMI early and begin cutting principal. The full instalments in the tables apply once the loan is completely drawn, around possession on 31 December 2030.
About ₹37,500 a month on a ₹44.8 lakh loan at 8 per cent over 20 years, assuming the ₹56 lakh launch price and 80 per cent funding.
From about ₹82,800 for the Aspire at ₹1.32 crore, rising to about ₹1,02,800 for the Ultima at ₹1.64 crore, on 75 per cent loans at 8 per cent over 20 years.
Multiply your loan in lakhs by the per-lakh figure: ₹836 at 8 per cent over 20 years, or ₹806 at 7.5 per cent.
No. Disbursement follows the time-linked plan, so interest builds in stages, and the full EMI applies once the loan is fully drawn.
GST at 5 per cent, stamp duty and registration at 7.65 per cent, and other charges at possession, all typically from your own funds.
No. They are illustrations at assumed rates and funding levels. Your bank's sanction letter and the current price sheet give the binding numbers.
| Enquiry |
