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EMI Calculator

Monthly EMI, total interest, and amortisation summary for any loan.

Monthly EMI
₹43,391
Total interest
₹54.14 L
Total payment
₹1.04 Cr

Over 20 years, you'll pay ₹54.14 L in interest — that's 108% of the principal. Prepaying even ₹87k extra per year in early years can reduce total interest by 25-40%.

EMI is calculated on a reducing-balance basis (standard for home and personal loans in India). Actual bank EMIs may differ slightly due to processing fees, GST on interest, and prepayment terms.

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