Question: I have a home loan of ₹12,00,000 at 9% per annum reducing balance, for 15 years, with monthly EMIs. If I've been paying regularly for exactly 5 years, roughly how much principal do I still owe?
Answer: EMI ≈ ₹12,171 per month. Outstanding principal after 60 EMIs is approximately ₹9,60,815 (about 80% of the original loan is still outstanding after a third of the tenure).

Supporting evidence:
title: Inline formula / method note
quote: Standard loan amortization (EMI and outstanding balance) formulas
context: Standard loan amortization (EMI and outstanding balance) formulas.