Calculate your monthly loan EMI payments, total interest payable, and view a complete amortization schedule.
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|---|---|---|
| Year 1 | ₹34,492 | ₹83,677 | ₹9,65,508 |
| Year 2 | ₹37,541 | ₹80,628 | ₹9,27,967 |
| Year 3 | ₹40,859 | ₹77,310 | ₹8,87,108 |
| Year 4 | ₹44,471 | ₹73,698 | ₹8,42,638 |
| Year 5 | ₹48,401 | ₹69,767 | ₹7,94,236 |
| Year 6 | ₹52,680 | ₹65,489 | ₹7,41,557 |
| Year 7 | ₹57,336 | ₹60,833 | ₹6,84,221 |
| Year 8 | ₹62,404 | ₹55,765 | ₹6,21,817 |
| Year 9 | ₹67,920 | ₹50,249 | ₹5,53,897 |
| Year 10 | ₹73,923 | ₹44,245 | ₹4,79,974 |
| Year 11 | ₹80,458 | ₹37,711 | ₹3,99,516 |
| Year 12 | ₹87,569 | ₹30,599 | ₹3,11,947 |
| Year 13 | ₹95,310 | ₹22,859 | ₹2,16,637 |
| Year 14 | ₹1,03,734 | ₹14,435 | ₹1,12,903 |
| Year 15 | ₹1,12,903 | ₹5,266 | ₹0 |
An Equated Monthly Installment (EMI) is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. EMIs are applied to both interest and principal each month, so that over a specified number of years, the loan is paid off in full.
Knowing your monthly EMI helps you plan your monthly budget and determine your affordability. Our calculator uses standard amortization formulas to display your exact monthly payment, total interest payable, and an amortization chart showing how your loan balance decreases over time.
Making prepayments reduces the outstanding principal amount, which either reduces your monthly EMI or shortens the loan tenure, saving you interest.
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