Hi Manish

I have recently purchased a flat and am taking a home loan of Rs. 1360000 for a tenure of 25 years. My expected EMI will be Rs.12600. I have taken such long period just to be on the safer side, as I know that under the worst circumstances also, i will be able to pay the EMI of 12600.

However, i am planning to repay in 3-4 years time paying EMI between 35000-40000 per month. I am confused on how interest and principal  part in the EMI will vary if I am doing an extra payment every month. I have read your posts and tried to search over the net, however, this aspect is still not clear.