Loan EMI Calculator

Loan EMI Calculator

Home, personal, car, education ya business loan — monthly EMI, total interest aur year-wise breakup, instantly.

Loan Details
Loan Amount
Interest Rate (p.a.)
Tenure
Monthly Income (optional)
Quick Presets
Your Results
Monthly EMI
₹0
Principal
₹0
Total Interest
₹0
Total Payable
₹0
Principal (wapas original)
Interest (bank ka charge)
Year-by-Year Amortization
Year Principal Paid Interest Paid Balance Paid
* EMI reducing-balance formula par based hai — wahi jo Indian banks use karte hain. Actual rate, processing fee, GST aur prepayment charges bank ke offer pe depend karte hain.
Paise Samjho ek educational tool hai, financial advice nahi.
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Complete Guide

EMI Calculator — Samjho Apna Loan

EMI kitni padegi, kitna interest jaayega, aur tenure badhaane se kya sasta padta hai — sab kuch simple Hinglish mein. Upar calculator chalao, neeche samjho.

Is Page Mein
  1. EMI kya hota hai
  2. EMI ka formula
  3. Live example — ₹25 lakh home loan
  4. Loan type ke hisaab se rate
  5. Loan lene se pehle 7 baatein
  6. Aksar pooche jane wale sawal

EMI kya hota hai — Simple Shabdon Mein

EMI = Equated Monthly Instalment. Bank aapko ek badi rashi aaj de deta hai. Aap usko har mahine ek fixed amount mein wapas karte ho — jab tak poora loan khatam na ho.

Har EMI ke do hisse hote hain: ek principal (asal udhaar), ek interest (bank ki kamai). Pehle saalon mein interest zyada hota hai, baad ke saalon mein principal. Isliye table mein pehle saal ka orange number bada dikhega — yeh galati nahi, math hai.

Reducing
Balance method banks use
40%
Safe EMI vs take-home cap
CIBIL
Rate aapke score pe depend
Yaad Rakho

Tenure badhaoge toh EMI girti hai, lekin total interest badh jaata hai. Sasti EMI hamesha sasta loan nahi hoti.

EMI Calculator ka Formula

Indian banks reducing-balance par yeh standard formula use karte hain:

Reducing balance EMI
EMI = P × r × (1 + r)ⁿ / ((1 + r)ⁿ − 1)
PLoan amount (principal)
rMonthly rate = annual % ÷ 12 ÷ 100
nTotal months = years × 12
EMIHar mahine fixed instalment

Flat-rate EMI alag hoti hai (kuch NBFC / used-car loans). Flat rate mein interest poori original amount par lagta hai, reducing mein bachi hui amount par. Same advertised rate pe reducing sasta padta hai.

Live Example — ₹25 Lakh Home Loan

Maan lo aap ₹25,00,000 @ 8.5% for 20 years lete ho:

Home loan — ₹25 Lakh · 8.5% · 20 years
Monthly EMI₹21,696
Total months240
Total payable₹52.07 Lakh
Total interest₹27.07 Lakh
Interest as % of loan108%
Asal Cost

₹25 lakh ke ghar ke liye aap bank ko ~₹27 lakh extra doge. House ka sticker price sirf aadhi kahani hai — EMI tenure hi asli keemat decide karti hai.

Loan type ke hisaab se rate

Calculator ke presets typical 2026 ranges hain. Aapka actual rate CIBIL, employer, LTV aur bank pe depend karta hai.

TypeTypical rateTenureSecured?
Home loan8.0% – 9.5%10–30 yrHaan, property
Car loan8.5% – 12%1–7 yrHaan, vehicle
Education loan8.5% – 13%5–15 yrKabhi collateral
Business / Mudra9% – 16%1–7 yrScheme pe depend
Personal loan11% – 24%1–5 yrNahi — isliye mehnga

Loan lene se pehle 7 baatein

  1. 140% rule. Total EMIs take-home salary ke 40% se upar nahi honi chahiye. Optional income slider se check karo.
  2. 2Rate 0.5% ka farak bhi bhaari hai. 20 saal ke home loan pe aadha percent lakhs bacha sakta hai. Compare, phir sign karo.
  3. 3Max eligibility mat lo. Bank jitna de, utna lena zaroori nahi. EMI aapke jeene ke hisaab se honi chahiye.
  4. 4Processing fee + GST + insurance EMI ke alawa padte hain. Inhe loan cost mein jodo.
  5. 5Prepay jab surplus ho. Extra payment pehle saalon mein interest kaat-ta hai, last saalon mein kam.
  6. 6CIBIL 750+ better rate dilwata hai. Score kharab ho toh pehle usko theek karo, loan baad mein.
  7. 7Personal loan last option. Unsecured + high rate. Jab tak home/gold/against-MF possible ho, woh sasta padta hai.

Related padho:

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Aksar Pooche Jane Wale Sawal

Har month pehle outstanding balance par interest lagta hai, baaki EMI principal kaat-ti hai. Balance girta hai, agle month ka interest bhi girta hai. Isliye pehle saal interest zyada, last saal principal zyada.
EMI kam ho jaati hai, lekin aap zyada mahine chukaate ho — total interest badh jaata hai. Upar slider se 15 vs 20 vs 25 saal compare karke dekho, number khud bolenge.
Reducing-balance EMI match karni chahiye. Farq pad sakta hai rounding, daily vs monthly rest, rate reset (floating), moratorium, aur processing fee ko principal mein add karne se.
Agar loan rate SIP ke expected return se zyada hai (jaise 14% personal loan), pehle loan utaro. 8.5% home loan vs long-term equity SIP — yahan math personal tax, emergency fund aur risk appetite pe depend karti hai.
Home loans mostly floating (repo-linked) hote hain — rate badle toh EMI ya tenure change hota hai. Personal/car often fixed. Calculator aaj ke rate par estimate deta hai, future reset nahi.

Upar wapas calculate karein

Amount, rate aur tenure badalte hi EMI live update hoti hai. Income slider se 40% rule bhi check kar lo.

Calculator par jao
Disclaimer: Yeh tool education ke liye hai. Paise Samjho / paisesamjho.com koi loan, investment ya tax advice nahi dete. Final numbers ke liye apne bank ka sanction letter dekhein.