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EMI (Equated Monthly Instalment) is the fixed monthly payment you make to repay a loan. It is calculated with the reducing balance formula: EMI = P x r x (1+r)^n / ((1+r)^n - 1), where P is the loan amount, r is the monthly interest rate (annual rate / 12) and n is the loan tenure in months. For example, a ₹50 lakh home loan at 8.5% for 20 years has an EMI of ₹43,391. Use the calculator below for home, car, personal, education and gold loans - it shows the full amortization schedule, total interest, prepayment savings and tax benefits.
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Check if your EMI fits your monthly budget. Debt-to-income ratio and affordability rating at a glance.