Loans & EMI
Loan EMI Calculator
Calculate monthly EMI for home, car, and personal loans in India. See total interest payable and a month-by-month amortization schedule before you borrow.
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Reducing-balance EMI · India
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How the loan EMI calculator works
EMI uses the standard reducing-balance formula: monthly payment stays fixed while the principal and interest split changes each month. Use this EMI calculator to compare loan offers or plan prepayments.
Home loan EMI calculator
Enter loan amount, interest rate, and tenure in months. Typical home loans run 15–30 years; adjust tenure to see how EMI and total interest change.
Car and personal loan EMI
Shorter tenures (3–7 years for cars, 1–5 for personal loans) mean higher EMI but lower total interest. Compare scenarios before signing.
Amortization schedule
The table shows the first 12 months: EMI split into principal repayment and interest, plus outstanding balance. Early months carry more interest.
Plan your budget
Pair with our CTC calculator India to check whether EMI fits your monthly in-hand salary after tax and PF.