How is the monthly payout calculated?

The bank sanctions a maximum loan amount (usually 60% of property value). The monthly payout is calculated so that the total payouts plus compound interest exactly equal the sanctioned loan at the end of the tenure.

Do I have to repay the loan during my lifetime?

No. Under Indian reverse mortgage rules, there are no monthly repayments. The loan is settled only when the last surviving borrower passes away or permanently moves out, usually by selling the property.

What happens if the property value falls?

Reverse mortgages are non-recourse loans. The bank cannot claim more than the sale proceeds of the property, even if the loan balance exceeds the property value.

Reverse Mortgage Calculator

Calculate your fixed monthly income from a reverse mortgage and visualize how your home equity changes over time.

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Last verified May 2026

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