Godrej Budigere Cross EMI calculator helps you estimate the monthly instalment on a home loan. You enter three things: the loan amount, the interest rate and the tenure. The tool then shows the equated monthly instalment, or EMI. Homes here start at Rs 81 Lakh, across 1, 2, 3 and 4 BHK configurations. This page explains how the EMI is worked out and shows illustrative figures you can scale to your own home.
An EMI has two parts: the principal and the interest. Early instalments carry more interest. Later ones carry more principal. The EMI itself stays the same each month. It depends on three inputs. The first is the loan amount, which is the home price less your down payment. The second is the annual interest rate. The third is the tenure, or the number of years. A longer tenure lowers the EMI but raises the total interest paid.
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.
| Loan amount | 15 years | 20 years | 25 years |
| Rs 60 Lakh | Rs 59,100 | Rs 52,100 | Rs 48,300 |
| Rs 1 Crore | Rs 98,500 | Rs 86,800 | Rs 80,500 |
| Rs 1.25 Crore | Rs 1,23,100 | Rs 1,08,500 | Rs 1,00,700 |
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. The 1 BHK starts at Rs 81 Lakh, the 2 BHK at Rs 1.34 Crore, the 3 BHK at Rs 1.60 Crore and the 4 BHK at Rs 3.38 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. Scale the table above to the loan you actually need.
Three inputs move the EMI. A larger loan raises it. A higher interest rate raises it. A longer tenure lowers the monthly figure but raises the total interest over the loan. So a buyer choosing a 3 BHK over a 1 BHK will see a higher EMI for the same rate and tenure. Run the numbers for your chosen configuration and down payment before you commit.
Godrej Budigere Cross is a pre-launch project by Godrej Properties. The pre-launch is set for October 2026, with the launch in December 2026. Completion and possession are targeted for 2031. A home loan for an under-construction home is usually drawn in step with the construction stages. The RERA number follows at launch, so make no payment until the project is registered. Verify the RERA status on the Karnataka RERA portal before booking.
It estimates your monthly instalment on a home loan. You enter the loan amount, the interest rate and the tenure. The tool then shows the EMI you would pay each month.
The EMI depends on the loan amount, the annual interest rate and the tenure. A longer tenure lowers the monthly EMI but raises the total interest you pay over the loan.
Base it on the home price less your down payment. Homes start at Rs 81 Lakh for a 1 BHK, Rs 1.34 Crore for a 2 BHK, Rs 1.60 Crore for a 3 BHK and Rs 3.38 Crore for a 4 BHK.
No. They 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.
Yes. A longer tenure lowers the monthly EMI. But it raises the total interest paid over the life of the loan. A shorter tenure costs more each month but less in total.
The project is in pre-launch, with the RERA number following at launch. Make no payment until it is registered. Verify the status on the Karnataka RERA portal before booking.
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