EMI Calculator By AssetYogi.

com

Inputs Loan Payment Break-Up

Loan Amount (Rs.) 2,000,000
Interest Rate (% p.a.) 6.70%
Loan Tenure (Years) 15
871,941

(in Rs.)

Results 2,000,000
EMI 17,643
Total Interest Payable 871,941
Principal
Total Amount
Payment 2,000,000
(Principal + Interest) 2,871,941 Total Interest Payable Principal Amount

Loan Repayment Chart

400,000 2,500,000
Principal & Interest Repayment (Rs.)

350,000
2,000,000

Principal Outstanding (Rs.)

300,000

250,000 1,500,000
200,000

150,000 1,000,000

100,000
500,000
50,000

- -
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 80,145 131,569 211,714 1,919,855 131,569 80,145
2 85,683 126,031 211,714 1,834,172 257,599 165,828
3 191,603 120,111 311,714 1,642,569 377,710 357,431
4 204,842 106,871 311,714 1,437,727 484,581 562,273
5 268,996 92,718 361,714 1,168,731 577,299 831,269
6 137,582 74,131 211,714 1,031,149 651,430 968,851
7 147,089 64,625 211,714 884,060 716,055 1,115,940
 8 157,252 54,461 211,714 726,808 770,516 1,273,192
9 168,118 43,596 211,714 558,690 814,112 1,441,310
10 179,734 31,979 211,714 378,956 846,091 1,621,044
11 192,153 19,561 211,714 186,803 865,652 1,813,197
12 186,803 6,289 193,092 - - -
13 - - - - - -
14 - - - - - -
15 - - - - - -
16 - - - - - -
17 - - - - - -
18 - - - - - -
19 - - - - - -
20 - - - - - -
21 - - - - - -
22 - - - - - -
23 - - - - - -
24 - - - - - -
25 - - - - - -
26 - - - - - -
27 - - - - - -
28 - - - - - -
29 - - - - - -
30 - - - - - -
Total 2,000,000 871,941 2,871,941

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 6,476 11,167 17,643 1,993,524 11,167 6,476
2 6,512 11,131 17,643 1,987,012 22,297 12,988
3 6,549 11,094 17,643 1,980,463 33,391 19,537
4 6,585 11,058 17,643 1,973,878 44,449 26,122
5 6,622 11,021 17,643 1,967,256 55,470 32,744
6 6,659 10,984 17,643 1,960,597 66,454 39,403
7 6,696 10,947 17,643 1,953,901 77,400 46,099
8 6,734 10,909 17,643 1,947,167 88,310 52,833
9 6,771 10,872 17,643 1,940,396 99,181 59,604
10 6,809 10,834 17,643 1,933,587 110,015 66,413
11 6,847 10,796 17,643 1,926,740 120,811 73,260
12 6,885 10,758 17,643 1,919,855 131,569 80,145
13 6,924 10,719 17,643 1,912,931 142,288 87,069
14 6,962 10,681 17,643 1,905,969 152,968 94,031
15 7,001 10,642 17,643 1,898,968 163,610 101,032
16 7,040 10,603 17,643 1,891,928 174,213 108,072
17 7,080 10,563 17,643 1,884,848 184,776 115,152
18 7,119 10,524 17,643 1,877,729 195,300 122,271
19 7,159 10,484 17,643 1,870,570 205,784 129,430
20 7,199 10,444 17,643 1,863,372 216,228 136,628
21 7,239 10,404 17,643 1,856,133 226,631 143,867
22 7,279 10,363 17,643 1,848,853 236,995 151,147
23 7,320 10,323 17,643 1,841,533 247,318 158,467
24 7,361 10,282 17,643 1,834,172 257,599 165,828
25 7,402 10,241 17,643 1,826,770 267,840 173,230
26 7,443 10,199 17,643 1,819,327 278,040 180,673
27 7,485 10,158 17,643 1,811,842 288,198 188,158
28 7,527 10,116 17,643 1,804,315 298,314 195,685
29 7,569 10,074 17,643 1,796,747 308,388 203,253
30 7,611 10,032 17,643 1,789,136 318,420 210,864
31 7,653 9,989 17,643 1,781,482 328,409 218,518
32 7,696 9,947 17,643 1,773,786 338,356 226,214
33 7,739 9,904 17,643 1,766,047 348,259 233,953
34 7,782 9,860 17,643 1,758,265 358,120 241,735
35 7,826 9,817 17,643 1,750,439 367,937 249,561
36 107,870 9,773 17,643 1,642,569 377,710 357,431
37 8,472 9,171 17,643 1,634,098 386,881 365,902
38 8,519 9,124 17,643 1,625,578 396,005 374,422
39 8,567 9,076 17,643 1,617,012 405,081 382,988
40 8,614 9,028 17,643 1,608,397 414,109 391,603
41 8,663 8,980 17,643 1,599,735 423,089 400,265
42 8,711 8,932 17,643 1,591,024 432,021 408,976
43 8,760 8,883 17,643 1,582,264 440,904 417,736
44 8,808 8,834 17,643 1,573,456 449,739 426,544
45 8,858 8,785 17,643 1,564,598 458,524 435,402
46 8,907 8,736 17,643 1,555,691 467,260 444,309
47 8,957 8,686 17,643 1,546,734 475,945 453,266
48 109,007 8,636 17,643 1,437,727 484,581 562,273
49 9,615 8,027 17,643 1,428,112 492,609 571,888
50 9,669 7,974 17,643 1,418,443 500,582 581,557
51 9,723 7,920 17,643 1,408,719 508,502 591,281
52 9,777 7,865 17,643 1,398,942 516,367 601,058
53 9,832 7,811 17,643 1,389,110 524,178 610,890
54 9,887 7,756 17,643 1,379,223 531,934 620,777
55 9,942 7,701 17,643 1,369,281 539,635 630,719
56 9,998 7,645 17,643 1,359,283 547,280 640,717
57 10,053 7,589 17,643 1,349,230 554,869 650,770
58 10,110 7,533 17,643 1,339,120 562,402 660,880
59 10,166 7,477 17,643 1,328,954 569,879 671,046
60 160,223 7,420 17,643 1,168,731 577,299 831,269
61 11,117 6,525 17,643 1,157,614 583,824 842,386
62 11,179 6,463 17,643 1,146,435 590,288 853,565
63 11,242 6,401 17,643 1,135,193 596,689 864,807
 64 11,305 6,338 17,643 1,123,888 603,027 876,112
65 11,368 6,275 17,643 1,112,520 609,302 887,480
66 11,431 6,212 17,643 1,101,089 615,513 898,911
67 11,495 6,148 17,643 1,089,594 621,661 910,406
68 11,559 6,084 17,643 1,078,035 627,745 921,965
69 11,624 6,019 17,643 1,066,411 633,764 933,589
70 11,689 5,954 17,643 1,054,722 639,718 945,278
71 11,754 5,889 17,643 1,042,968 645,607 957,032
72 11,820 5,823 17,643 1,031,149 651,430 968,851
73 11,886 5,757 17,643 1,019,263 657,187 980,737
74 11,952 5,691 17,643 1,007,311 662,878 992,689
75 12,019 5,624 17,643 995,293 668,502 1,004,707
76 12,086 5,557 17,643 983,207 674,059 1,016,793
77 12,153 5,490 17,643 971,054 679,549 1,028,946
78 12,221 5,422 17,643 958,833 684,971 1,041,167
79 12,289 5,353 17,643 946,543 690,324 1,053,457
80 12,358 5,285 17,643 934,186 695,609 1,065,814
81 12,427 5,216 17,643 921,759 700,825 1,078,241
82 12,496 5,146 17,643 909,262 705,971 1,090,738
83 12,566 5,077 17,643 896,696 711,048 1,103,304
84 12,636 5,007 17,643 884,060 716,055 1,115,940
85 12,707 4,936 17,643 871,353 720,991 1,128,647
86 12,778 4,865 17,643 858,575 725,856 1,141,425
87 12,849 4,794 17,643 845,726 730,649 1,154,274
88 12,921 4,722 17,643 832,806 735,371 1,167,194
89 12,993 4,650 17,643 819,813 740,021 1,180,187
90 13,066 4,577 17,643 806,747 744,599 1,193,253
91 13,138 4,504 17,643 793,609 749,103 1,206,391
92 13,212 4,431 17,643 780,397 753,534 1,219,603
93 13,286 4,357 17,643 767,111 757,891 1,232,889
94 13,360 4,283 17,643 753,752 762,174 1,246,248
95 13,434 4,208 17,643 740,317 766,383 1,259,683
96 13,509 4,133 17,643 726,808 770,516 1,273,192
97 13,585 4,058 17,643 713,223 774,574 1,286,777
98 13,661 3,982 17,643 699,562 778,556 1,300,438
99 13,737 3,906 17,643 685,826 782,462 1,314,174
100 13,814 3,829 17,643 672,012 786,291 1,327,988
101 13,891 3,752 17,643 658,121 790,043 1,341,879
102 13,968 3,675 17,643 644,153 793,718 1,355,847
103 14,046 3,597 17,643 630,107 797,314 1,369,893
104 14,125 3,518 17,643 615,982 800,832 1,384,018
105 14,204 3,439 17,643 601,778 804,272 1,398,222
106 14,283 3,360 17,643 587,495 807,632 1,412,505
107 14,363 3,280 17,643 573,133 810,912 1,426,867
108 14,443 3,200 17,643 558,690 814,112 1,441,310
109 14,523 3,119 17,643 544,167 817,231 1,455,833
110 14,605 3,038 17,643 529,562 820,269 1,470,438
111 14,686 2,957 17,643 514,876 823,226 1,485,124
112 14,768 2,875 17,643 500,108 826,101 1,499,892
113 14,851 2,792 17,643 485,257 828,893 1,514,743
114 14,933 2,709 17,643 470,324 831,602 1,529,676
115 15,017 2,626 17,643 455,307 834,228 1,544,693
116 15,101 2,542 17,643 440,207 836,771 1,559,793
117 15,185 2,458 17,643 425,022 839,228 1,574,978
118 15,270 2,373 17,643 409,752 841,601 1,590,248
119 15,355 2,288 17,643 394,397 843,889 1,605,603
120 15,441 2,202 17,643 378,956 846,091 1,621,044
121 15,527 2,116 17,643 363,429 848,207 1,636,571
122 15,614 2,029 17,643 347,815 850,236 1,652,185
123 15,701 1,942 17,643 332,115 852,178 1,667,885
124 15,788 1,854 17,643 316,326 854,033 1,683,674
125 15,877 1,766 17,643 300,449 855,799 1,699,551
126 15,965 1,678 17,643 284,484 857,476 1,715,516
127 16,054 1,588 17,643 268,430 859,065 1,731,570
128 16,144 1,499 17,643 252,286 860,563 1,747,714
129 16,234 1,409 17,643 236,052 861,972 1,763,948
130 16,325 1,318 17,643 219,727 863,290 1,780,273
131 16,416 1,227 17,643 203,311 864,517 1,796,689
132 16,508 1,135 17,643 186,803 865,652 1,813,197
133 16,600 1,043 17,643 170,203 866,695 1,829,797
134 16,692 950 17,643 153,511 867,645 1,846,489
135 16,786 857 17,643 136,725 868,502 1,863,275
136 16,879 763 17,643 119,846 869,266 1,880,154
137 16,974 669 17,643 102,872 869,935 1,897,128
138 17,068 574 17,643 85,804 870,509 1,914,196
139 17,164 479 17,643 68,640 870,988 1,931,360
140 17,260 383 17,643 51,380 871,371 1,948,620
141 17,356 287 17,643 34,024 871,658 1,965,976
142 17,453 190 17,643 16,572 871,848 1,983,428
143 16,572 93 16,664 - 871,941 2,000,000
144 - - - - - -
145 - - - - - -
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Total 2,000,000 871,941 2,521,941
500,000

000,000
Principal Outstanding (Rs.)

500,000

000,000

00,000

Prepayments
(Enter Below)
-

100,000
100,000
150,000
Prepayments
(if any)
100,000

100,000

150,000
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