Calculate monthly loan EMI, total interest and total repayment.
Enter the loan amount, annual interest rate and loan tenure.
For a ₹10 lakh loan at 8.5% for 20 years, the calculator estimates monthly EMI and total interest.
| Tenure | Monthly EMI | Total Interest |
|---|---|---|
| 10 years | ₹12,394 | ₹4,87,280 |
| 15 years | ₹9,847 | ₹6,72,460 |
| 20 years | ₹8,678 | ₹10,82,776 |
EMI stands for Equated Monthly Installment, a fixed payment made by a borrower to a lender on a specified date each month until the loan is fully repaid.
EMI is calculated from the loan principal, interest rate, and tenure using a standard amortization formula, so the payment stays the same each month even though the interest-to-principal ratio shifts over time.
Yes. A higher down payment lowers the principal financed, which reduces both your EMI and the total interest paid.
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