EMI Calculator: Calculate Loan EMI in Seconds

Home loan / personal loan / car loan ki monthly EMI, total interest paid, aur full amortization schedule calculate karein. Reducing-balance formula, year-wise breakdown.

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EMI (Equated Monthly Installment) loan ki monthly repayment hoti hai — principal + interest milake fixed amount jo aap bank ko har month dete hain. Standard formula: EMI = P x r x (1+r)^n / ((1+r)^n - 1), where P = principal, r = monthly rate, n = total months.

Yeh free EMI Calculator aapko loan amount, interest rate (% p.a.), aur tenure (years) input karke instantly: (a) Monthly EMI, (b) Total interest paid over loan life, (c) Total amount repaid (principal + interest), (d) Year-wise amortization schedule (kitna principal vs interest har saal jaata hai).

Real-world banks ki current rates (FY 2025-26 approx): Home loan 8.5-10% (HDFC, SBI, ICICI), Car loan 8.5-12%, Personal loan 10.5-18%, Education loan 8.15-13%. Floating rate (RLLR / EBLR) home loans pe RBI repo rate ke saath revise hote hain.

Use cases: Buying home in EMI vs paying rent comparison, Car financing vs cash purchase decision, Personal loan vs credit card EMI comparison, Education loan repayment plan, Pre-payment / refinance benefit calculation.

Pro tip: Pehle 5-7 saal mein EMI mein principal portion bahut kam hota hai (sara interest jaata hai). Therefore, agar pre-payment karna hai to early years mein karein — interest savings huge milti hain. Yeh calculator amortization table mein clearly dikhata hai.

हिंदी में खोजृं (Hindi search): EMI calculator hindi, टाऄम लोन या मासिक किस्त, होम लोन आ१मआॡ, कार लोन आ१मआॡ, पर्सनल लोन, टैन्यूर कितने साल, ब्याज दर 9 प्रतिशत
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Frequently Asked Questions

Home loan EMI vs Rent — kya better hai?
Depends on city + property value + loan terms. Thumb rule: agar property price / annual rent ratio > 20 hai (e.g., Rs 1 cr property + Rs 5L/yr rent = 20x), to renting better hai investment-wise. Agar < 18, to buying might make sense.
EMI me principal vs interest split kaise hota hai?
Standard reducing-balance method use hota hai. Pehle saal EMI mein 70-80% interest hota hai, 20-30% principal. As tenure progresses, principal share badhta jaata hai. Last few years mein 80-90% principal aur 10-20% interest hota hai. Amortization table mein full breakdown.
Pre-payment se kitna fayda hota hai?
Bahut zyada. Example: Rs 50 lakh home loan @ 9% x 20 yrs, EMI Rs 44,986. Agar 5th year mein Rs 5 lakh pre-pay karein, total interest savings Rs 18-25 lakh aur tenure 4-5 saal reduce hota hai. Pre-payment hamesha early years mein zyada faayda deta hai.
Floating vs Fixed rate kaun choose karein?
India mein most home loans floating-rate hain (RLLR / EBLR linked to RBI repo rate). RBI rate kam ho to interest auto-reduce hota hai. Fixed-rate higher start hota hai but locked. Stable economy expect karte ho to floating, rising rates expect karte ho to fixed.
EMI bounce ho jaaye to kya hota hai?
Bank Rs 500-1500 EMI bounce fee charge karta hai + extra interest. 90 days bounce ka matlab loan NPA classify ho jaata hai, credit score (CIBIL) damage hota hai. Recommendation: SIP-style auto-debit set karein with sufficient balance buffer.

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