EMI Calculator By AssetYogi.

com

Inputs Loan Payment Break-Up

Loan Amount (Rs.) 5,000,000
Interest Rate (% p.a.) 6.95%
Loan Tenure (Years) 20
3,575,894
(in Rs.)
5,000,000
Results
EMI 38,615
Total Interest Payable 3,575,894
Principal Amount
Total Payment 5,000,000
(Principal + Interest) 8,575,894 Total Interest Payable Principal Amount

Loan Repayment Chart

600,000 6,000,000
Principal & Interest Repayment (Rs.)

500,000 5,000,000

Principal Outstanding (Rs.)

400,000 4,000,000

300,000 3,000,000

200,000 2,000,000

100,000 1,000,000

- -
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
1 158,259 343,737 501,995 4,841,741 343,737 158,259
2 169,615 332,380 501,995 4,672,126 676,117 327,874
3 181,786 320,209 501,995 4,490,340 996,326 509,660
4 194,831 307,165 501,995 4,295,510 1,303,491 704,490
5 208,811 293,184 501,995 4,086,699 1,596,675 913,301
 6 223,795 278,201 501,995 3,862,904 1,874,876 1,137,096
7 239,854 262,142 501,995 3,623,050 2,137,018 1,376,950
8 257,065 244,931 501,995 3,365,986 2,381,948 1,634,014
9 275,511 226,484 501,995 3,090,475 2,608,432 1,909,525
10 295,281 206,714 501,995 2,795,194 2,815,147 2,204,806
11 316,469 185,526 501,995 2,478,724 3,000,673 2,521,276
12 339,178 162,817 501,995 2,139,546 3,163,490 2,860,454
13 363,517 138,478 501,995 1,776,029 3,301,968 3,223,971
14 389,602 112,393 501,995 1,386,427 3,414,361 3,613,573
15 417,559 84,437 501,995 968,869 3,498,798 4,031,131
16 447,521 54,474 501,995 521,347 3,553,272 4,478,653
17 479,634 22,361 501,995 41,713 3,575,633 4,958,287
18 41,713 261 41,974 - - -
19 - - - - - -
20 - - - - - -
21 - - - - - -
22 - - - - - -
23 - - - - - -
24 - - - - - -
25 - - - - - -
26 - - - - - -
27 - - - - - -
28 - - - - - -
29 - - - - - -
30 - - - - - -
Total 5,000,000 3,575,894 8,575,894

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 9,657 28,958 38,615 4,990,343 28,958 9,657
2 9,713 28,902 38,615 4,980,631 57,861 19,369
3 9,769 28,846 38,615 4,970,862 86,707 29,138
4 9,825 28,790 38,615 4,961,036 115,496 38,964
5 9,882 28,733 38,615 4,951,154 144,229 48,846
6 9,940 28,675 38,615 4,941,214 172,905 58,786
7 9,997 28,618 38,615 4,931,217 201,522 68,783
8 10,055 28,560 38,615 4,921,162 230,082 78,838
9 10,113 28,502 38,615 4,911,049 258,584 88,951
10 10,172 28,443 38,615 4,900,877 287,027 99,123
11 10,231 28,384 38,615 4,890,646 315,412 109,354
12 48,905 28,325 38,615 4,841,741 343,737 158,259
13 10,573 28,042 38,615 4,831,168 371,778 168,832
14 10,635 27,981 38,615 4,820,533 399,759 179,467
15 10,696 27,919 38,615 4,809,837 427,678 190,163
16 10,758 27,857 38,615 4,799,079 455,535 200,921
17 10,820 27,795 38,615 4,788,259 483,329 211,741
18 10,883 27,732 38,615 4,777,376 511,061 222,624
19 10,946 27,669 38,615 4,766,430 538,730 233,570
20 11,009 27,606 38,615 4,755,420 566,336 244,580
21 11,073 27,542 38,615 4,744,347 593,878 255,653
22 11,137 27,478 38,615 4,733,210 621,355 266,790
23 11,202 27,413 38,615 4,722,008 648,769 277,992
24 49,882 27,348 38,615 4,672,126 676,117 327,874
25 11,556 27,059 38,615 4,660,571 703,176 339,429
26 11,623 26,992 38,615 4,648,948 730,169 351,052
27 11,690 26,925 38,615 4,637,258 757,094 362,742
28 11,758 26,857 38,615 4,625,501 783,951 374,499
29 11,826 26,789 38,615 4,613,675 810,741 386,325
30 11,894 26,721 38,615 4,601,781 837,462 398,219
31 11,963 26,652 38,615 4,589,818 864,114 410,182
32 12,032 26,583 38,615 4,577,785 890,696 422,215
33 12,102 26,513 38,615 4,565,683 917,209 434,317
34 12,172 26,443 38,615 4,553,511 943,652 446,489
35 12,243 26,372 38,615 4,541,269 970,025 458,731
36 50,929 26,302 38,615 4,490,340 996,326 509,660
37 12,608 26,007 38,615 4,477,732 1,022,333 522,268
38 12,681 25,934 38,615 4,465,050 1,048,266 534,950
39 12,755 25,860 38,615 4,452,295 1,074,126 547,705
40 12,829 25,786 38,615 4,439,466 1,099,912 560,534
41 12,903 25,712 38,615 4,426,563 1,125,624 573,437
42 12,978 25,637 38,615 4,413,585 1,151,262 586,415
43 13,053 25,562 38,615 4,400,532 1,176,824 599,468
44 13,129 25,486 38,615 4,387,404 1,202,310 612,596
45 13,205 25,410 38,615 4,374,199 1,227,720 625,801
46 13,281 25,334 38,615 4,360,918 1,253,054 639,082
47 13,358 25,257 38,615 4,347,560 1,278,311 652,440
48 52,050 25,180 38,615 4,295,510 1,303,491 704,490
49 13,737 24,878 38,615 4,281,773 1,328,369 718,227
50 13,816 24,799 38,615 4,267,956 1,353,168 732,044
51 13,896 24,719 38,615 4,254,060 1,377,886 745,940
52 13,977 24,638 38,615 4,240,083 1,402,524 759,917
53 14,058 24,557 38,615 4,226,025 1,427,081 773,975
54 14,139 24,476 38,615 4,211,886 1,451,557 788,114
55 14,221 24,394 38,615 4,197,665 1,475,951 802,335
56 14,304 24,311 38,615 4,183,361 1,500,263 816,639
 57 14,386 24,229 38,615 4,168,975 1,524,491 831,025
58 14,470 24,145 38,615 4,154,505 1,548,636 845,495
59 14,554 24,062 38,615 4,139,951 1,572,698 860,049
60 53,253 23,977 38,615 4,086,699 1,596,675 913,301
61 14,946 23,669 38,615 4,071,752 1,620,344 928,248
62 15,033 23,582 38,615 4,056,720 1,643,926 943,280
63 15,120 23,495 38,615 4,041,600 1,667,421 958,400
64 15,207 23,408 38,615 4,026,392 1,690,829 973,608
65 15,296 23,320 38,615 4,011,097 1,714,148 988,903
66 15,384 23,231 38,615 3,995,713 1,737,379 1,004,287
67 15,473 23,142 38,615 3,980,240 1,760,521 1,019,760
68 15,563 23,052 38,615 3,964,677 1,783,573 1,035,323
69 15,653 22,962 38,615 3,949,024 1,806,536 1,050,976
70 15,744 22,871 38,615 3,933,280 1,829,407 1,066,720
71 15,835 22,780 38,615 3,917,445 1,852,187 1,082,555
72 54,541 22,689 38,615 3,862,904 1,874,876 1,137,096
73 16,242 22,373 38,615 3,846,662 1,897,248 1,153,338
74 16,336 22,279 38,615 3,830,325 1,919,527 1,169,675
75 16,431 22,184 38,615 3,813,894 1,941,711 1,186,106
76 16,526 22,089 38,615 3,797,368 1,963,800 1,202,632
77 16,622 21,993 38,615 3,780,746 1,985,793 1,219,254
78 16,718 21,897 38,615 3,764,028 2,007,690 1,235,972
79 16,815 21,800 38,615 3,747,213 2,029,490 1,252,787
80 16,912 21,703 38,615 3,730,300 2,051,192 1,269,700
81 17,010 21,605 38,615 3,713,290 2,072,797 1,286,710
82 17,109 21,506 38,615 3,696,181 2,094,303 1,303,819
83 17,208 21,407 38,615 3,678,973 2,115,710 1,321,027
84 55,923 21,307 38,615 3,623,050 2,137,018 1,376,950
85 17,632 20,983 38,615 3,605,419 2,158,001 1,394,581
86 17,734 20,881 38,615 3,587,685 2,178,882 1,412,315
87 17,836 20,779 38,615 3,569,849 2,199,661 1,430,151
88 17,940 20,675 38,615 3,551,909 2,220,336 1,448,091
89 18,044 20,571 38,615 3,533,866 2,240,908 1,466,134
90 18,148 20,467 38,615 3,515,718 2,261,375 1,484,282
91 18,253 20,362 38,615 3,497,464 2,281,737 1,502,536
92 18,359 20,256 38,615 3,479,106 2,301,993 1,520,894
93 18,465 20,150 38,615 3,460,640 2,322,143 1,539,360
94 18,572 20,043 38,615 3,442,068 2,342,186 1,557,932
95 18,680 19,935 38,615 3,423,388 2,362,121 1,576,612
96 57,403 19,827 38,615 3,365,986 2,381,948 1,634,014
97 19,120 19,495 38,615 3,346,865 2,401,443 1,653,135
98 19,231 19,384 38,615 3,327,634 2,420,827 1,672,366
99 19,342 19,273 38,615 3,308,292 2,440,099 1,691,708
100 19,455 19,161 38,615 3,288,837 2,459,260 1,711,163
101 19,567 19,048 38,615 3,269,270 2,478,308 1,730,730
102 19,681 18,935 38,615 3,249,589 2,497,242 1,750,411
103 19,794 18,821 38,615 3,229,795 2,516,063 1,770,205
104 19,909 18,706 38,615 3,209,886 2,534,769 1,790,114
105 20,024 18,591 38,615 3,189,861 2,553,359 1,810,139
106 20,140 18,475 38,615 3,169,721 2,571,834 1,830,279
107 20,257 18,358 38,615 3,149,464 2,590,192 1,850,536
108 58,989 18,241 38,615 3,090,475 2,608,432 1,909,525
109 20,716 17,899 38,615 3,069,759 2,626,331 1,930,241
110 20,836 17,779 38,615 3,048,922 2,644,110 1,951,078
111 20,957 17,658 38,615 3,027,966 2,661,769 1,972,034
112 21,078 17,537 38,615 3,006,888 2,679,306 1,993,112
113 21,200 17,415 38,615 2,985,688 2,696,721 2,014,312
114 21,323 17,292 38,615 2,964,365 2,714,013 2,035,635
115 21,446 17,169 38,615 2,942,918 2,731,181 2,057,082
116 21,571 17,044 38,615 2,921,348 2,748,226 2,078,652
117 21,696 16,919 38,615 2,899,652 2,765,145 2,100,348
118 21,821 16,794 38,615 2,877,831 2,781,939 2,122,169
119 21,948 16,667 38,615 2,855,883 2,798,606 2,144,117
120 60,690 16,540 38,615 2,795,194 2,815,147 2,204,806
121 22,426 16,189 38,615 2,772,767 2,831,336 2,227,233
122 22,556 16,059 38,615 2,750,211 2,847,395 2,249,789
123 22,687 15,928 38,615 2,727,525 2,863,323 2,272,475
124 22,818 15,797 38,615 2,704,707 2,879,120 2,295,293
125 22,950 15,665 38,615 2,681,756 2,894,784 2,318,244
126 23,083 15,532 38,615 2,658,673 2,910,316 2,341,327
127 23,217 15,398 38,615 2,635,456 2,925,714 2,364,544
128 23,351 15,264 38,615 2,612,105 2,940,978 2,387,895
129 23,487 15,128 38,615 2,588,618 2,956,107 2,411,382
130 23,623 14,992 38,615 2,564,996 2,971,099 2,435,004
131 23,759 14,856 38,615 2,541,236 2,985,955 2,458,764
132 62,512 14,718 38,615 2,478,724 3,000,673 2,521,276
133 24,259 14,356 38,615 2,454,465 3,015,029 2,545,535
134 24,400 14,215 38,615 2,430,066 3,029,244 2,569,934
135 24,541 14,074 38,615 2,405,525 3,043,318 2,594,475
136 24,683 13,932 38,615 2,380,842 3,057,250 2,619,158
137 24,826 13,789 38,615 2,356,016 3,071,039 2,643,984
138 24,970 13,645 38,615 2,331,046 3,084,684 2,668,954
139 25,114 13,501 38,615 2,305,931 3,098,185 2,694,069
140 25,260 13,355 38,615 2,280,672 3,111,540 2,719,328
141 25,406 13,209 38,615 2,255,265 3,124,749 2,744,735
142 25,553 13,062 38,615 2,229,712 3,137,811 2,770,288
143 25,701 12,914 38,615 2,204,011 3,150,725 2,795,989
144 64,465 12,765 38,615 2,139,546 3,163,490 2,860,454
145 26,223 12,392 38,615 2,113,322 3,175,881 2,886,678
146 26,375 12,240 38,615 2,086,947 3,188,121 2,913,053
147 26,528 12,087 38,615 2,060,419 3,200,208 2,939,581
148 26,682 11,933 38,615 2,033,737 3,212,141 2,966,263
149 26,836 11,779 38,615 2,006,901 3,223,920 2,993,099
150 26,992 11,623 38,615 1,979,909 3,235,543 3,020,091
151 27,148 11,467 38,615 1,952,761 3,247,010 3,047,239
152 27,305 11,310 38,615 1,925,456 3,258,320 3,074,544
153 27,463 11,152 38,615 1,897,992 3,269,471 3,102,008
154 27,622 10,993 38,615 1,870,370 3,280,464 3,129,630
155 27,782 10,833 38,615 1,842,587 3,291,296 3,157,413
156 66,558 10,672 38,615 1,776,029 3,301,968 3,223,971
157 28,329 10,286 38,615 1,747,700 3,312,254 3,252,300
158 28,493 10,122 38,615 1,719,207 3,322,376 3,280,793
159 28,658 9,957 38,615 1,690,549 3,332,333 3,309,451
160 28,824 9,791 38,615 1,661,725 3,342,124 3,338,275
161 28,991 9,624 38,615 1,632,734 3,351,749 3,367,266
162 29,159 9,456 38,615 1,603,576 3,361,205 3,396,424
163 29,328 9,287 38,615 1,574,248 3,370,492 3,425,752
164 29,498 9,118 38,615 1,544,750 3,379,610 3,455,250
165 29,668 8,947 38,615 1,515,082 3,388,556 3,484,918
166 29,840 8,775 38,615 1,485,242 3,397,331 3,514,758
167 30,013 8,602 38,615 1,455,229 3,405,933 3,544,771
168 68,802 8,428 38,615 1,386,427 3,414,361 3,613,573
169 30,585 8,030 38,615 1,355,842 3,422,391 3,644,158
170 30,762 7,853 38,615 1,325,079 3,430,244 3,674,921
171 30,941 7,674 38,615 1,294,139 3,437,918 3,705,861
172 31,120 7,495 38,615 1,263,019 3,445,413 3,736,981
173 31,300 7,315 38,615 1,231,719 3,452,728 3,768,281
174 31,481 7,134 38,615 1,200,238 3,459,862 3,799,762
175 31,664 6,951 38,615 1,168,574 3,466,813 3,831,426
176 31,847 6,768 38,615 1,136,727 3,473,581 3,863,273
177 32,031 6,584 38,615 1,104,695 3,480,165 3,895,305
178 32,217 6,398 38,615 1,072,478 3,486,563 3,927,522
179 32,404 6,211 38,615 1,040,075 3,492,774 3,959,925
180 71,206 6,024 38,615 968,869 3,498,798 4,031,131
181 33,004 5,611 38,615 935,865 3,504,410 4,064,135
182 33,195 5,420 38,615 902,670 3,509,830 4,097,330
183 33,387 5,228 38,615 869,283 3,515,058 4,130,717
184 33,580 5,035 38,615 835,703 3,520,092 4,164,297
185 33,775 4,840 38,615 801,928 3,524,932 4,198,072
186 33,971 4,644 38,615 767,957 3,529,577 4,232,043
187 34,167 4,448 38,615 733,790 3,534,025 4,266,210
188 34,365 4,250 38,615 699,425 3,538,275 4,300,575
189 34,564 4,051 38,615 664,861 3,542,325 4,335,139
190 34,764 3,851 38,615 630,096 3,546,176 4,369,904
191 34,966 3,649 38,615 595,130 3,549,825 4,404,870
192 73,783 3,447 38,615 521,347 3,553,272 4,478,653
193 35,596 3,019 38,615 485,752 3,556,292 4,514,248
194 35,802 2,813 38,615 449,950 3,559,105 4,550,050
195 36,009 2,606 38,615 413,941 3,561,711 4,586,059
196 36,218 2,397 38,615 377,723 3,564,108 4,622,277
197 36,427 2,188 38,615 341,296 3,566,296 4,658,704
198 36,638 1,977 38,615 304,658 3,568,273 4,695,342
199 36,851 1,764 38,615 267,807 3,570,037 4,732,193
200 37,064 1,551 38,615 230,743 3,571,588 4,769,257
201 37,279 1,336 38,615 193,464 3,572,925 4,806,536
202 37,495 1,120 38,615 155,970 3,574,045 4,844,030
203 37,712 903 38,615 118,258 3,574,948 4,881,742
204 76,545 685 38,615 41,713 3,575,633 4,958,287
205 38,373 242 38,615 3,340 3,575,875 4,996,660
206 3,340 19 3,359 - 3,575,894 5,000,000
207 - - - - - -
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 327 - - - - - -
328 - - - - - -
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358 - - - - - -
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Total 5,000,000 3,575,894 7,919,439
000,000

000,000
Principal Outstanding (Rs.)

000,000

000,000

000,000

000,000

Prepayments
(Enter Below)
38,615
38,615
38,615
38,615
38,615
 38,615
38,615
38,615
38,615
38,615
38,615
38,615
38,615
38,615
38,615
38,615
38,615

Prepayments
(if any)
38,615

38,615

38,615

38,615
38,615

38,615

38,615

38,615
38,615

38,615

38,615

38,615
38,615

38,615

38,615
38,615

38,615
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