How do I calculate the principal and interest components of a home loan separately ?

I know the total EMI - let's say 20000. But I also want to know what is the amount that I am paying as interest out of this 20000.

Answer:
You need to know the interest rate, and amortization period. Also what method they are using for the interest. Compounded monthly, quarterly, etc. and if it includes taxes.
Go to your bank's loan department, they can tell you each and every thing in details. It is hard to tell you here because we don't know how much interest you are paying, is it floating or fix. So it is better to ask your bank because every bank has different set of rules for home loan.
Click on the link
http://www.outlookmoney.com/scripts/calc...
Enter your principal, interest and tenure and compounding term (whether the interest is calculated monthly or yearly)
In the next screen you will see loan amortization schedule. Click on this to know the EMI split up of your principal and interest till the end of your loan
Get an amortization schedule. You can do them on excel or many websites that do financial calculations.

Also, your bank can provide a loan history of what has been paid.
You bank can also print the amortization schedule.

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