EMI Calculator By AssetYogi.

com

Inputs Loan Payment Break-Up

Loan Amount (Rs.) 2,200,000
Interest Rate (% p.a.) 9.00%
Loan Tenure (Years) 20

(in Rs.) 2,200,000 2,550,553

Results
EMI 19,794
Total Interest Payable 2,550,553
Principal
Total Amount
Payment 2,200,000
(Principal + Interest) 4,750,553 Total Interest Payable Principal Amount

Loan Repayment Chart

250,000 2,500,000
Principal & Interest Repayment (Rs.)

200,000 2,000,000

Principal Outstanding (Rs.)

150,000 1,500,000

100,000 1,000,000

50,000 500,000

- -
Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30

Interest Pmt Principal Pmt Principal

(I) (P) Outstanding

Loan Repayment Schedule (Yearly)

(figures in Rupees)
Principal Pmt Interest Pmt Total Payment Principal Cumulative Cumulative
Year
(P) (I) (P+I) Outstanding Interest Principal
1 41,200 196,328 237,528 2,158,800 196,328 41,200
2 45,064 192,463 237,528 2,113,736 388,791 86,264
3 49,292 188,236 237,528 2,064,444 577,027 135,556
4 53,916 183,612 237,528 2,010,528 760,639 189,472
5 58,973 178,554 237,528 1,951,555 939,193 248,445
6 64,505 173,022 237,528 1,887,050 1,112,216 312,950
 7 70,557 166,971 237,528 1,816,493 1,279,187 383,507
8 77,175 160,352 237,528 1,739,318 1,439,539 460,682
9 84,415 153,113 237,528 1,654,903 1,592,652 545,097
10 92,333 145,194 237,528 1,562,570 1,737,846 637,430
11 100,995 136,533 237,528 1,461,575 1,874,379 738,425
12 110,469 127,059 237,528 1,351,106 2,001,437 848,894
13 120,832 116,696 237,528 1,230,274 2,118,133 969,726
14 132,167 105,361 237,528 1,098,107 2,223,494 1,101,893
15 144,565 92,963 237,528 953,542 2,316,457 1,246,458
16 158,126 79,402 237,528 795,416 2,395,859 1,404,584
17 172,959 64,568 237,528 622,457 2,460,427 1,577,543
18 189,184 48,344 237,528 433,273 2,508,771 1,766,727
19 206,931 30,597 237,528 226,342 2,539,368 1,973,658
20 226,342 11,185 237,528 - 2,550,553 2,200,000
21 - - - - - -
22 - - - - - -
23 - - - - - -
24 - - - - - -
25 - - - - - -
26 - - - - - -
27 - - - - - -
28 - - - - - -
29 - - - - - -
30 - - - - - -
Total 2,200,000 2,550,553 4,750,553

Loan Repayment Schedule (Monthly)

(figures in Rupees)
Principal Pmt Interest Pmt Total Payment Principal Cumulative Cumulative
Month
(P) (I) (P+I) Outstanding Interest Principal
1 3,294 16,500 19,794 2,196,706 16,500 3,294
2 3,319 16,475 19,794 2,193,387 32,975 6,613
3 3,344 16,450 19,794 2,190,044 49,426 9,956
4 3,369 16,425 19,794 2,186,675 65,851 13,325
5 3,394 16,400 19,794 2,183,281 82,251 16,719
6 3,419 16,375 19,794 2,179,862 98,626 20,138
7 3,445 16,349 19,794 2,176,417 114,975 23,583
8 3,471 16,323 19,794 2,172,946 131,298 27,054
9 3,497 16,297 19,794 2,169,449 147,595 30,551
10 3,523 16,271 19,794 2,165,926 163,866 34,074
11 3,550 16,244 19,794 2,162,377 180,110 37,623
12 3,576 16,218 19,794 2,158,800 196,328 41,200
13 3,603 16,191 19,794 2,155,197 212,519 44,803
14 3,630 16,164 19,794 2,151,567 228,683 48,433
15 3,657 16,137 19,794 2,147,910 244,820 52,090
16 3,685 16,109 19,794 2,144,226 260,929 55,774
17 3,712 16,082 19,794 2,140,513 277,011 59,487
18 3,740 16,054 19,794 2,136,773 293,065 63,227
19 3,768 16,026 19,794 2,133,005 309,090 66,995
20 3,796 15,998 19,794 2,129,209 325,088 70,791
21 3,825 15,969 19,794 2,125,384 341,057 74,616
22 3,854 15,940 19,794 2,121,530 356,997 78,470
23 3,882 15,911 19,794 2,117,648 372,909 82,352
24 3,912 15,882 19,794 2,113,736 388,791 86,264
25 3,941 15,853 19,794 2,109,795 404,644 90,205
26 3,971 15,823 19,794 2,105,824 420,468 94,176
27 4,000 15,794 19,794 2,101,824 436,261 98,176
28 4,030 15,764 19,794 2,097,794 452,025 102,206
29 4,061 15,733 19,794 2,093,733 467,759 106,267
30 4,091 15,703 19,794 2,089,642 483,462 110,358
31 4,122 15,672 19,794 2,085,521 499,134 114,479
32 4,153 15,641 19,794 2,081,368 514,775 118,632
33 4,184 15,610 19,794 2,077,184 530,386 122,816
34 4,215 15,579 19,794 2,072,969 545,964 127,031
35 4,247 15,547 19,794 2,068,723 561,512 131,277
36 4,279 15,515 19,794 2,064,444 577,027 135,556
37 4,311 15,483 19,794 2,060,134 592,510 139,866
38 4,343 15,451 19,794 2,055,791 607,961 144,209
39 4,376 15,418 19,794 2,051,415 623,380 148,585
40 4,408 15,386 19,794 2,047,007 638,765 152,993
41 4,441 15,353 19,794 2,042,565 654,118 157,435
42 4,475 15,319 19,794 2,038,090 669,437 161,910
43 4,508 15,286 19,794 2,033,582 684,723 166,418
44 4,542 15,252 19,794 2,029,040 699,975 170,960
45 4,576 15,218 19,794 2,024,464 715,193 175,536
46 4,610 15,183 19,794 2,019,853 730,376 180,147
47 4,645 15,149 19,794 2,015,208 745,525 184,792
48 4,680 15,114 19,794 2,010,528 760,639 189,472
49 4,715 15,079 19,794 2,005,813 775,718 194,187
50 4,750 15,044 19,794 2,001,063 790,762 198,937
51 4,786 15,008 19,794 1,996,277 805,770 203,723
52 4,822 14,972 19,794 1,991,455 820,742 208,545
53 4,858 14,936 19,794 1,986,597 835,678 213,403
54 4,894 14,899 19,794 1,981,703 850,577 218,297
55 4,931 14,863 19,794 1,976,771 865,440 223,229
56 4,968 14,826 19,794 1,971,803 880,266 228,197
57 5,005 14,789 19,794 1,966,798 895,054 233,202
58 5,043 14,751 19,794 1,961,755 909,805 238,245
59 5,081 14,713 19,794 1,956,674 924,518 243,326
60 5,119 14,675 19,794 1,951,555 939,193 248,445
61 5,157 14,637 19,794 1,946,398 953,830 253,602
62 5,196 14,598 19,794 1,941,202 968,428 258,798
63 5,235 14,559 19,794 1,935,967 982,987 264,033
64 5,274 14,520 19,794 1,930,693 997,507 269,307
65 5,314 14,480 19,794 1,925,379 1,011,987 274,621
66 5,354 14,440 19,794 1,920,025 1,026,427 279,975
67 5,394 14,400 19,794 1,914,631 1,040,827 285,369
68 5,434 14,360 19,794 1,909,197 1,055,187 290,803
69 5,475 14,319 19,794 1,903,722 1,069,506 296,278
70 5,516 14,278 19,794 1,898,206 1,083,784 301,794
71 5,557 14,237 19,794 1,892,649 1,098,021 307,351
72 5,599 14,195 19,794 1,887,050 1,112,216 312,950
73 5,641 14,153 19,794 1,881,409 1,126,368 318,591
74 5,683 14,111 19,794 1,875,725 1,140,479 324,275
75 5,726 14,068 19,794 1,869,999 1,154,547 330,001
76 5,769 14,025 19,794 1,864,230 1,168,572 335,770
77 5,812 13,982 19,794 1,858,418 1,182,554 341,582
78 5,856 13,938 19,794 1,852,562 1,196,492 347,438
79 5,900 13,894 19,794 1,846,662 1,210,386 353,338
80 5,944 13,850 19,794 1,840,718 1,224,236 359,282
81 5,989 13,805 19,794 1,834,730 1,238,041 365,270
82 6,033 13,760 19,794 1,828,696 1,251,802 371,304
83 6,079 13,715 19,794 1,822,617 1,265,517 377,383
84 6,124 13,670 19,794 1,816,493 1,279,187 383,507
85 6,170 13,624 19,794 1,810,323 1,292,810 389,677
86 6,217 13,577 19,794 1,804,106 1,306,388 395,894
87 6,263 13,531 19,794 1,797,843 1,319,919 402,157
88 6,310 13,484 19,794 1,791,533 1,333,402 408,467
89 6,357 13,436 19,794 1,785,175 1,346,839 414,825
90 6,405 13,389 19,794 1,778,770 1,360,228 421,230
91 6,453 13,341 19,794 1,772,317 1,373,568 427,683
92 6,502 13,292 19,794 1,765,816 1,386,861 434,184
93 6,550 13,244 19,794 1,759,265 1,400,104 440,735
94 6,599 13,194 19,794 1,752,666 1,413,299 447,334
95 6,649 13,145 19,794 1,746,017 1,426,444 453,983
96 6,699 13,095 19,794 1,739,318 1,439,539 460,682
97 6,749 13,045 19,794 1,732,569 1,452,584 467,431
98 6,800 12,994 19,794 1,725,769 1,465,578 474,231
99 6,851 12,943 19,794 1,718,918 1,478,521 481,082
100 6,902 12,892 19,794 1,712,016 1,491,413 487,984
101 6,954 12,840 19,794 1,705,062 1,504,253 494,938
102 7,006 12,788 19,794 1,698,056 1,517,041 501,944
103 7,059 12,735 19,794 1,690,998 1,529,777 509,002
104 7,111 12,682 19,794 1,683,886 1,542,459 516,114
105 7,165 12,629 19,794 1,676,722 1,555,089 523,278
106 7,219 12,575 19,794 1,669,503 1,567,664 530,497
107 7,273 12,521 19,794 1,662,230 1,580,185 537,770
108 7,327 12,467 19,794 1,654,903 1,592,652 545,097
109 7,382 12,412 19,794 1,647,521 1,605,064 552,479
110 7,438 12,356 19,794 1,640,083 1,617,420 559,917
111 7,493 12,301 19,794 1,632,590 1,629,721 567,410
112 7,550 12,244 19,794 1,625,040 1,641,965 574,960
113 7,606 12,188 19,794 1,617,434 1,654,153 582,566
114 7,663 12,131 19,794 1,609,771 1,666,284 590,229
115 7,721 12,073 19,794 1,602,050 1,678,357 597,950
116 7,779 12,015 19,794 1,594,272 1,690,372 605,728
117 7,837 11,957 19,794 1,586,435 1,702,329 613,565
118 7,896 11,898 19,794 1,578,539 1,714,228 621,461
119 7,955 11,839 19,794 1,570,584 1,726,067 629,416
120 8,015 11,779 19,794 1,562,570 1,737,846 637,430
121 8,075 11,719 19,794 1,554,495 1,749,565 645,505
122 8,135 11,659 19,794 1,546,360 1,761,224 653,640
123 8,196 11,598 19,794 1,538,163 1,772,822 661,837
124 8,258 11,536 19,794 1,529,906 1,784,358 670,094
125 8,320 11,474 19,794 1,521,586 1,795,832 678,414
126 8,382 11,412 19,794 1,513,204 1,807,244 686,796
127 8,445 11,349 19,794 1,504,759 1,818,593 695,241
128 8,508 11,286 19,794 1,496,251 1,829,879 703,749
129 8,572 11,222 19,794 1,487,679 1,841,101 712,321
130 8,636 11,158 19,794 1,479,042 1,852,258 720,958
131 8,701 11,093 19,794 1,470,341 1,863,351 729,659
132 8,766 11,028 19,794 1,461,575 1,874,379 738,425
133 8,832 10,962 19,794 1,452,742 1,885,341 747,258
134 8,898 10,896 19,794 1,443,844 1,896,236 756,156
135 8,965 10,829 19,794 1,434,879 1,907,065 765,121
136 9,032 10,762 19,794 1,425,846 1,917,827 774,154
137 9,100 10,694 19,794 1,416,746 1,928,520 783,254
138 9,168 10,626 19,794 1,407,578 1,939,146 792,422
139 9,237 10,557 19,794 1,398,341 1,949,703 801,659
140 9,306 10,488 19,794 1,389,034 1,960,190 810,966
141 9,376 10,418 19,794 1,379,658 1,970,608 820,342
142 9,447 10,347 19,794 1,370,212 1,980,956 829,788
143 9,517 10,277 19,794 1,360,694 1,991,232 839,306
144 9,589 10,205 19,794 1,351,106 2,001,437 848,894
145 9,661 10,133 19,794 1,341,445 2,011,571 858,555
146 9,733 10,061 19,794 1,331,712 2,021,632 868,288
147 9,806 9,988 19,794 1,321,906 2,031,619 878,094
148 9,880 9,914 19,794 1,312,026 2,041,534 887,974
149 9,954 9,840 19,794 1,302,072 2,051,374 897,928
150 10,028 9,766 19,794 1,292,044 2,061,139 907,956
151 10,104 9,690 19,794 1,281,940 2,070,830 918,060
152 10,179 9,615 19,794 1,271,761 2,080,444 928,239
153 10,256 9,538 19,794 1,261,505 2,089,982 938,495
154 10,333 9,461 19,794 1,251,172 2,099,444 948,828
155 10,410 9,384 19,794 1,240,762 2,108,828 959,238
156 10,488 9,306 19,794 1,230,274 2,118,133 969,726
157 10,567 9,227 19,794 1,219,707 2,127,360 980,293
158 10,646 9,148 19,794 1,209,061 2,136,508 990,939
159 10,726 9,068 19,794 1,198,335 2,145,576 1,001,665
160 10,806 8,988 19,794 1,187,528 2,154,564 1,012,472
161 10,888 8,906 19,794 1,176,641 2,163,470 1,023,359
162 10,969 8,825 19,794 1,165,672 2,172,295 1,034,328
163 11,051 8,743 19,794 1,154,620 2,181,037 1,045,380
164 11,134 8,660 19,794 1,143,486 2,189,697 1,056,514
165 11,218 8,576 19,794 1,132,268 2,198,273 1,067,732
166 11,302 8,492 19,794 1,120,966 2,206,765 1,079,034
167 11,387 8,407 19,794 1,109,579 2,215,172 1,090,421
168 11,472 8,322 19,794 1,098,107 2,223,494 1,101,893
169 11,558 8,236 19,794 1,086,549 2,231,730 1,113,451
170 11,645 8,149 19,794 1,074,904 2,239,879 1,125,096
171 11,732 8,062 19,794 1,063,172 2,247,941 1,136,828
172 11,820 7,974 19,794 1,051,352 2,255,915 1,148,648
173 11,909 7,885 19,794 1,039,443 2,263,800 1,160,557
174 11,998 7,796 19,794 1,027,445 2,271,596 1,172,555
175 12,088 7,706 19,794 1,015,357 2,279,302 1,184,643
176 12,179 7,615 19,794 1,003,178 2,286,917 1,196,822
177 12,270 7,524 19,794 990,908 2,294,441 1,209,092
178 12,362 7,432 19,794 978,546 2,301,872 1,221,454
179 12,455 7,339 19,794 966,091 2,309,211 1,233,909
180 12,548 7,246 19,794 953,542 2,316,457 1,246,458
181 12,642 7,152 19,794 940,900 2,323,609 1,259,100
182 12,737 7,057 19,794 928,163 2,330,665 1,271,837
183 12,833 6,961 19,794 915,330 2,337,627 1,284,670
184 12,929 6,865 19,794 902,401 2,344,492 1,297,599
185 13,026 6,768 19,794 889,375 2,351,260 1,310,625
186 13,124 6,670 19,794 876,251 2,357,930 1,323,749
187 13,222 6,572 19,794 863,029 2,364,502 1,336,971
188 13,321 6,473 19,794 849,708 2,370,975 1,350,292
189 13,421 6,373 19,794 836,287 2,377,347 1,363,713
190 13,522 6,272 19,794 822,765 2,383,620 1,377,235
191 13,623 6,171 19,794 809,142 2,389,790 1,390,858
192 13,725 6,069 19,794 795,416 2,395,859 1,404,584
193 13,828 5,966 19,794 781,588 2,401,824 1,418,412
194 13,932 5,862 19,794 767,656 2,407,686 1,432,344
195 14,037 5,757 19,794 753,619 2,413,444 1,446,381
196 14,142 5,652 19,794 739,478 2,419,096 1,460,522
197 14,248 5,546 19,794 725,230 2,424,642 1,474,770
198 14,355 5,439 19,794 710,875 2,430,081 1,489,125
199 14,462 5,332 19,794 696,413 2,435,413 1,503,587
200 14,571 5,223 19,794 681,842 2,440,636 1,518,158
201 14,680 5,114 19,794 667,162 2,445,750 1,532,838
202 14,790 5,004 19,794 652,371 2,450,753 1,547,629
203 14,901 4,893 19,794 637,470 2,455,646 1,562,530
204 15,013 4,781 19,794 622,457 2,460,427 1,577,543
205 15,126 4,668 19,794 607,332 2,465,096 1,592,668
206 15,239 4,555 19,794 592,093 2,469,651 1,607,907
207 15,353 4,441 19,794 576,739 2,474,091 1,623,261
208 15,468 4,326 19,794 561,271 2,478,417 1,638,729
209 15,584 4,210 19,794 545,686 2,482,626 1,654,314
210 15,701 4,093 19,794 529,985 2,486,719 1,670,015
211 15,819 3,975 19,794 514,166 2,490,694 1,685,834
212 15,938 3,856 19,794 498,228 2,494,550 1,701,772
213 16,057 3,737 19,794 482,171 2,498,287 1,717,829
214 16,178 3,616 19,794 465,993 2,501,903 1,734,007
215 16,299 3,495 19,794 449,694 2,505,398 1,750,306
216 16,421 3,373 19,794 433,273 2,508,771 1,766,727
217 16,544 3,250 19,794 416,729 2,512,020 1,783,271
218 16,669 3,125 19,794 400,060 2,515,146 1,799,940
219 16,794 3,000 19,794 383,267 2,518,146 1,816,733
220 16,919 2,875 19,794 366,347 2,521,021 1,833,653
221 17,046 2,748 19,794 349,301 2,523,768 1,850,699
222 17,174 2,620 19,794 332,127 2,526,388 1,867,873
223 17,303 2,491 19,794 314,824 2,528,879 1,885,176
224 17,433 2,361 19,794 297,391 2,531,240 1,902,609
225 17,564 2,230 19,794 279,827 2,533,471 1,920,173
226 17,695 2,099 19,794 262,132 2,535,569 1,937,868
227 17,828 1,966 19,794 244,304 2,537,535 1,955,696
228 17,962 1,832 19,794 226,342 2,539,368 1,973,658
229 18,096 1,698 19,794 208,246 2,541,065 1,991,754
230 18,232 1,562 19,794 190,014 2,542,627 2,009,986
231 18,369 1,425 19,794 171,645 2,544,052 2,028,355
232 18,507 1,287 19,794 153,138 2,545,340 2,046,862
233 18,645 1,149 19,794 134,493 2,546,488 2,065,507
234 18,785 1,009 19,794 115,708 2,547,497 2,084,292
235 18,926 868 19,794 96,781 2,548,365 2,103,219
236 19,068 726 19,794 77,713 2,549,090 2,122,287
237 19,211 583 19,794 58,502 2,549,673 2,141,498
238 19,355 439 19,794 39,147 2,550,112 2,160,853
239 19,500 294 19,794 19,647 2,550,406 2,180,353
240 19,647 147 19,794 - 2,550,553 2,200,000
241 - - - - - -
242 - - - - - -
243 - - - - - -
244 - - - - - -
245 - - - - - -
246 - - - - - -
247 - - - - - -
248 - - - - - -
249 - - - - - -
250 - - - - - -
251 - - - - - -
252 - - - - - -
253 - - - - - -
254 - - - - - -
255 - - - - - -
256 - - - - - -
257 - - - - - -
258 - - - - - -
259 - - - - - -
260 - - - - - -
261 - - - - - -
262 - - - - - -
263 - - - - - -
264 - - - - - -
265 - - - - - -
266 - - - - - -
267 - - - - - -
268 - - - - - -
269 - - - - - -
270 - - - - - -
271 - - - - - -
272 - - - - - -
273 - - - - - -
274 - - - - - -
275 - - - - - -
276 - - - - - -
277 - - - - - -
278 - - - - - -
279 - - - - - -
280 - - - - - -
281 - - - - - -
282 - - - - - -
283 - - - - - -
284 - - - - - -
285 - - - - - -
286 - - - - - -
287 - - - - - -
288 - - - - - -
289 - - - - - -
290 - - - - - -
291 - - - - - -
292 - - - - - -
293 - - - - - -
294 - - - - - -
295 - - - - - -
296 - - - - - -
297 - - - - - -
298 - - - - - -
299 - - - - - -
300 - - - - - -
301 - - - - - -
302 - - - - - -
303 - - - - - -
304 - - - - - -
305 - - - - - -
306 - - - - - -
307 - - - - - -
308 - - - - - -
309 - - - - - -
310 - - - - - -
311 - - - - - -
312 - - - - - -
313 - - - - - -
314 - - - - - -
315 - - - - - -
316 - - - - - -
317 - - - - - -
318 - - - - - -
319 - - - - - -
320 - - - - - -
321 - - - - - -
322 - - - - - -
323 - - - - - -
324 - - - - - -
325 - - - - - -
326 - - - - - -
327 - - - - - -
328 - - - - - -
329 - - - - - -
330 - - - - - -
331 - - - - - -
332 - - - - - -
333 - - - - - -
334 - - - - - -
335 - - - - - -
336 - - - - - -
337 - - - - - -
338 - - - - - -
339 - - - - - -
340 - - - - - -
341 - - - - - -
342 - - - - - -
343 - - - - - -
 344 - - - - - -
345 - - - - - -
346 - - - - - -
347 - - - - - -
348 - - - - - -
349 - - - - - -
350 - - - - - -
351 - - - - - -
352 - - - - - -
353 - - - - - -
354 - - - - - -
355 - - - - - -
356 - - - - - -
357 - - - - - -
358 - - - - - -
359 - - - - - -
360 - - - - - -
Total 2,200,000 2,550,553 4,750,553
500,000

000,000
Principal Outstanding (Rs.)

500,000

000,000

00,000

Prepayments
(Enter Below)
-
Prepayments
(if any)
Loan Amount (Rs.)
Interest (% p.a.)
Time Period (Years)

EMI (Rs.)

Time Period
3 Years @ 8%
5 Years @ 8%
20 Years @ 11%
 100,000
11%
20

(1,032)

EMI per lakh Amount Approx. EMI

3000 500000 15000
2000 500000 10000
1000 5000000 50000