प्रतिशत कैलकुलेटर
प्रतिशत कैलकुलेटर — इस मुफ़्त टूल से अपने ब्राउज़र में काम पूरा करें। पंजीकरण की ज़रूरत नहीं है।
कैलकुलेटर
EMI कैलकुलेटर
EMI कैलकुलेटर — इस मुफ़्त टूल से अपने ब्राउज़र में काम पूरा करें। पंजीकरण की ज़रूरत नहीं है।
मुद्रा: INR · राशियाँ इस मुद्रा में हैं। मूल्य परिवर्तित नहीं होते।
आपकी दरों और दिए सूत्र का उपयोग होता है। शुल्क और कर शामिल नहीं हैं।
आपकी जानकारी
UtilBrix द्वारा संचालितआपका परिणाम
Monthly EMI
₹24,797.14
- Principal
- ₹20,00,000.00
- Total interest
- ₹9,75,656.53
- Total payment
- ₹29,75,656.53
Principal · 67.2%Interest · 32.8%
EMI = P × r / [1 − (1 + r)⁻ⁿ], where r is the monthly rate.
Repayment schedule
Remaining balance over the loan tenure
| Year | Opening balance | Payment | Principal | Interest | Closing balance |
|---|---|---|---|---|---|
| 1 | ₹20,00,000.00 | ₹2,97,565.65 | ₹1,32,654.63 | ₹1,64,911.02 | ₹18,67,345.37 |
| 2 | ₹18,67,345.37 | ₹2,97,565.65 | ₹1,44,380.09 | ₹1,53,185.56 | ₹17,22,965.27 |
| 3 | ₹17,22,965.27 | ₹2,97,565.65 | ₹1,57,141.98 | ₹1,40,423.67 | ₹15,65,823.29 |
| 4 | ₹15,65,823.29 | ₹2,97,565.65 | ₹1,71,031.90 | ₹1,26,533.75 | ₹13,94,791.39 |
| 5 | ₹13,94,791.39 | ₹2,97,565.65 | ₹1,86,149.57 | ₹1,11,416.08 | ₹12,08,641.82 |
| 6 | ₹12,08,641.82 | ₹2,97,565.65 | ₹2,02,603.50 | ₹94,962.16 | ₹10,06,038.32 |
| 7 | ₹10,06,038.32 | ₹2,97,565.65 | ₹2,20,511.80 | ₹77,053.85 | ₹7,85,526.52 |
| 8 | ₹7,85,526.52 | ₹2,97,565.65 | ₹2,40,003.04 | ₹57,562.61 | ₹5,45,523.48 |
| 9 | ₹5,45,523.48 | ₹2,97,565.65 | ₹2,61,217.13 | ₹36,348.52 | ₹2,84,306.35 |
| 10 | ₹2,84,306.35 | ₹2,97,565.65 | ₹2,84,306.35 | ₹13,259.31 | ₹0.00 |
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नीचे विस्तृत विधि और उदाहरण अंग्रेज़ी में उपलब्ध हैं।
Step-by-step instructions (English)
- Enter the principal you intend to borrow and the annual interest rate.
- Enter the repayment term and select months or years.
- Calculate, then compare the monthly payment, total interest, and repayment schedule.
- Change one input at a time to see how the term or rate affects the estimate.
सूत्र और विधि
The reducing-balance formula is EMI = P × r ÷ [1 − (1 + r)⁻ⁿ]. P is principal, r is the annual percentage rate divided by 1,200, and n is the number of monthly payments. At zero interest, EMI equals principal divided by months. Each schedule row allocates interest on the opening balance and applies the remainder to principal.
एक उपयोगी उदाहरण
For a 100,000 currency units loan at 12% annually over 12 months, the monthly payment is approximately 8,884.88 currency units. Fees, insurance, and lender rounding are excluded.
When this tool is useful
Compare fixed-rate repayment scenarios before discussing a loan with a lender. The schedule separates interest from principal, helping explain why early payments typically reduce the balance more slowly than later payments.
Common mistakes and limitations
- The calculation uses a reducing balance, not a flat-rate interest quotation.
- Fees, insurance, variable-rate resets, missed payments, and lender-specific rounding are outside this model.
Practical questions about this tool (English)
Why can a longer term cost more despite a lower EMI?
Spreading repayment over more months reduces each installment but leaves principal outstanding longer. At the same positive interest rate, that normally increases total interest in this model.
What happens at zero interest?
The monthly payment becomes the loan amount divided by the number of monthly payments. Any lender fees still need to be considered separately.
These figures are estimates for information only, not financial or tax advice. Actual terms, fees, rates, and returns can differ. Read the financial disclaimer.
संबंधित टूल
SIP कैलकुलेटर
SIP कैलकुलेटर — इस मुफ़्त टूल से अपने ब्राउज़र में काम पूरा करें। पंजीकरण की ज़रूरत नहीं है।
CAGR कैलकुलेटर
CAGR कैलकुलेटर — इस मुफ़्त टूल से अपने ब्राउज़र में काम पूरा करें। पंजीकरण की ज़रूरत नहीं है।
वेतन कैलकुलेटर
वेतन कैलकुलेटर — इस मुफ़्त टूल से अपने ब्राउज़र में काम पूरा करें। पंजीकरण की ज़रूरत नहीं है।