होमआर्थिक टूल्सईएमआय कॅल्क्युलेटर

ईएमआय कॅल्क्युलेटर

गृहकर्ज, कार कर्ज किंवा वैयक्तिक कर्जाचा मासिक ईएमआय लगेच काढा

₹१० लाख
₹
%
मुदतीचे एकक
वर्षे
मासिक ईएमआय
₹१२,६६८/ महिना
बारा हजार सहाशे अडुसष्ट रुपये
मुद्दल
₹१०,००,०००
एकूण व्याज
₹५,२०,११०
एकूण परतफेड
₹१५,२०,११०
१२० महिन्यांत आपण भरत असलेल्या एकूण रकमेपैकी ३४.२% व्याज आहे.
मुद्दल आणि व्याज
दरवर्षी भरलेली रक्कम
वर्षभरलेले मुद्दलभरलेले व्याजएकूण भरलेली रक्कमशिल्लक
१₹६४,६३४₹८७,३७७₹१,५२,०११₹९,३५,३६६
२₹७०,६९७₹८१,३१४₹१,५२,०११₹८,६४,६६९
३₹७७,३२९₹७४,६८२₹१,५२,०११₹७,८७,३४०
४₹८४,५८३₹६७,४२८₹१,५२,०११₹७,०२,७५७
५₹९२,५१७₹५९,४९४₹१,५२,०११₹६,१०,२४०
६₹१,०१,१९६₹५०,८१५₹१,५२,०११₹५,०९,०४४
७₹१,१०,६८९₹४१,३२२₹१,५२,०११₹३,९८,३५५
८₹१,२१,०७२₹३०,९३९₹१,५२,०११₹२,७७,२८२
९₹१,३२,४३०₹१९,५८१₹१,५२,०११₹१,४४,८५२
१०₹१,४४,८५२₹७,१५८₹१,५२,०१०₹०

हे पूर्णपणे आपल्या ब्राउझरमध्ये चालते. आपण टाइप किंवा अपलोड केलेले काहीही आम्हाला पाठवले जात नाही किंवा साठवले जात नाही.

हे निकाल अंदाजे आहेत, आर्थिक सल्ला नाही. दर, शुल्क आणि नियम बदलत असतात, त्यामुळे निर्णय घेण्यापूर्वी आपली बँक, पोस्ट ऑफिस किंवा आर्थिक सल्लागाराकडून खात्री करून घ्या. वापराच्या अटी

भाषांतर तयार होईपर्यंत खालील मार्गदर्शक इंग्रजीत आहे.

कसे वापरावे

  1. कर्जाची रक्कम भरा. ती टाइप करा किंवा स्लायडर सरकवा (₹25,00,000 ही रक्कम "₹25 लाख" अशी दिसते).
  2. आपल्या बँकेने किंवा एनबीएफसीने सांगितलेला व्याजदर (वार्षिक) भरा. नो-कॉस्ट ईएमआय ऑफरसाठी 0% दरही चालतो.
  3. कर्जाची मुदत वर्षांत किंवा महिन्यांत निवडा.
  4. आपण टाइप करताच आपला मासिक ईएमआय, एकूण व्याज आणि एकूण परतफेड बदलतात.
  5. मुद्दल आणि व्याज यांचे आलेख आणि वर्षनिहाय परतफेड तक्ता पाहण्यासाठी खाली स्क्रोल करा. अचूक आकडे कोणाला पाठवायचे असल्यास शेअर करा हे बटण वापरा.

What is EMI?

An Equated Monthly Instalment (EMI) is the fixed amount you pay your lender every month until the loan is repaid. Each EMI covers that month's interest plus a slice of the principal. In the early years most of the EMI goes to interest, and later most of it goes to principal. This is the reducing-balance method that every Indian bank uses, and it's what this EMI calculator follows.

EMI formula

EMI = P × r × (1 + r)n ÷ [(1 + r)n − 1]

Where P = principal, r = monthly interest rate (annual rate ÷ 12 ÷ 100), n = tenure in months. For a ₹30 lakh home loan at 9% over 20 years, the EMI comes to about ₹26,992.

Typical loan rates in India

These are rough ranges. Rates move with the RBI repo rate and your credit score, so check the current rate with your lender.

Loan typeRate range (p.a.)
Home Loan7.25% – 9.50%
Car Loan8.50% – 12.00%
Personal Loan10.50% – 24.00%
Education Loan9.00% – 13.50%

How to pay less interest

  • Put down a bigger down payment so you borrow less.
  • Pick the shortest tenure your monthly budget can handle. Every extra year adds a lot of interest.
  • Prepay part of the loan when you can. Lenders can't charge a prepayment penalty on a floating-rate loan you take as an individual for non-business use.
  • Shop around. Even 0.5% (50 basis points) less saves ₹2–5 lakh on a ₹50 lakh, 20-year home loan.

How much EMI is safe?

Most banks cap your total EMIs at 40–50% of your net monthly salary. Keep yours under 35% and you'll still have room for savings and emergencies.

नेहमी विचारले जाणारे प्रश्न

EMI loans charge interest only on the principal still outstanding, which shrinks every month (the reducing-balance method). Simple interest is charged on the original principal for the whole term. So an EMI loan costs less in total interest than a flat-rate loan of the same amount and tenure.

Yes, but you pay far more interest overall. Take a ₹30 lakh home loan at 9%. Over 10 years the EMI is about ₹38,000 and the total interest ₹15.6 lakh. Over 20 years the EMI drops to about ₹27,000, but the total interest is ₹34.8 lakh, more than double.

Yes. The formula is the same for every reducing-balance loan. Enter the loan amount, the interest rate (car loans usually 8.5–12%, personal loans 10.5–24%) and the tenure.

Below 35–40% of your take-home pay, according to most financial planners. Banks will usually lend until your FOIR (Fixed Obligation to Income Ratio) reaches 50%. Staying under 35% leaves room for savings, investments and emergencies.

There are three ways. Prepay part of the loan, which cuts the outstanding principal. Move the loan to a lender with a lower rate (a balance transfer). Or ask your lender to stretch the tenure, which lowers the EMI but raises the total interest.

Only on a fixed-rate loan. Most home loans in India are floating-rate, and their rate moves with the RBI repo rate. When rates go up, your EMI rises or your tenure gets longer. When rates fall, you gain.

आपल्याला हेही लागू शकते

एसआयपी कॅल्क्युलेटरकर्ज परतफेड वेळापत्रकगृहकर्ज पात्रताजीएसटी कॅल्क्युलेटर