EMI Calculator By AssetYogi.

com

Inputs Loan Payment Break-Up

Loan Amount (Rs.) 4,500,000
Interest Rate (% p.a.) 9.50%
Loan Tenure (Years) 15

(in Rs.) 4,500,000 3,958,220

Results
EMI 46,990
Total Interest Payable 3,958,220
Principal
Total Amount
Payment 4,500,000
(Principal + Interest) 8,458,220 Total Interest Payable Principal Amount

Loan Repayment Chart

600,000 5,000,000
Principal & Interest Repayment (Rs.)

4,500,000
500,000
4,000,000

Principal Outstanding (Rs.)

3,500,000
400,000
3,000,000
300,000 2,500,000
2,000,000
200,000
1,500,000
1,000,000
100,000
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
1 142,479 421,402 563,881 4,357,521 421,402 142,479
2 156,620 407,261 563,881 4,200,901 828,664 299,099
3 172,164 391,717 563,881 4,028,737 1,220,381 471,263
4 189,251 374,630 563,881 3,839,486 1,595,012 660,514
5 208,034 355,848 563,881 3,631,453 1,950,859 868,547
6 228,680 335,201 563,881 3,402,772 2,286,060 1,097,228
 7 251,376 312,505 563,881 3,151,396 2,598,565 1,348,604
8 276,325 287,557 563,881 2,875,071 2,886,122 1,624,929
9 303,749 260,132 563,881 2,571,322 3,146,254 1,928,678
10 333,896 229,986 563,881 2,237,426 3,376,239 2,262,574
11 367,034 196,847 563,881 1,870,392 3,573,086 2,629,608
12 403,461 160,420 563,881 1,466,930 3,733,506 3,033,070
13 443,504 120,377 563,881 1,023,427 3,853,884 3,476,573
14 487,521 76,361 563,881 535,906 3,930,244 3,964,094
15 535,906 27,975 563,881 - 3,958,220 4,500,000
16 - - - - - -
17 - - - - - -
18 - - - - - -
19 - - - - - -
20 - - - - - -
21 - - - - - -
22 - - - - - -
23 - - - - - -
24 - - - - - -
25 - - - - - -
26 - - - - - -
27 - - - - - -
28 - - - - - -
29 - - - - - -
30 - - - - - -
Total 4,500,000 3,958,220 8,458,220

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 11,365 35,625 46,990 4,488,635 35,625 11,365
2 11,455 35,535 46,990 4,477,180 71,160 22,820
3 11,546 35,444 46,990 4,465,634 106,604 34,366
4 11,637 35,353 46,990 4,453,997 141,957 46,003
5 11,729 35,261 46,990 4,442,268 177,218 57,732
6 11,822 35,168 46,990 4,430,445 212,386 69,555
7 11,916 35,074 46,990 4,418,530 247,460 81,470
8 12,010 34,980 46,990 4,406,520 282,440 93,480
9 12,105 34,885 46,990 4,394,414 317,325 105,586
10 12,201 34,789 46,990 4,382,213 352,115 117,787
11 12,298 34,693 46,990 4,369,916 386,807 130,084
12 12,395 34,595 46,990 4,357,521 421,402 142,479
13 12,493 34,497 46,990 4,345,028 455,899 154,972
14 12,592 34,398 46,990 4,332,436 490,297 167,564
15 12,692 34,298 46,990 4,319,744 524,596 180,256
16 12,792 34,198 46,990 4,306,952 558,794 193,048
17 12,893 34,097 46,990 4,294,059 592,891 205,941
18 12,995 33,995 46,990 4,281,063 626,885 218,937
19 13,098 33,892 46,990 4,267,965 660,777 232,035
20 13,202 33,788 46,990 4,254,763 694,565 245,237
21 13,307 33,684 46,990 4,241,456 728,248 258,544
22 13,412 33,578 46,990 4,228,044 761,827 271,956
23 13,518 33,472 46,990 4,214,526 795,299 285,474
24 13,625 33,365 46,990 4,200,901 828,664 299,099
25 13,733 33,257 46,990 4,187,168 861,921 312,832
26 13,842 33,148 46,990 4,173,326 895,069 326,674
27 13,951 33,039 46,990 4,159,375 928,108 340,625
28 14,062 32,928 46,990 4,145,313 961,036 354,687
29 14,173 32,817 46,990 4,131,140 993,854 368,860
30 14,285 32,705 46,990 4,116,855 1,026,558 383,145
31 14,398 32,592 46,990 4,102,457 1,059,150 397,543
32 14,512 32,478 46,990 4,087,944 1,091,628 412,056
33 14,627 32,363 46,990 4,073,317 1,123,991 426,683
34 14,743 32,247 46,990 4,058,574 1,156,238 441,426
35 14,860 32,130 46,990 4,043,714 1,188,368 456,286
36 14,977 32,013 46,990 4,028,737 1,220,381 471,263
37 15,096 31,894 46,990 4,013,641 1,252,275 486,359
38 15,215 31,775 46,990 3,998,426 1,284,050 501,574
39 15,336 31,654 46,990 3,983,090 1,315,704 516,910
40 15,457 31,533 46,990 3,967,632 1,347,237 532,368
41 15,580 31,410 46,990 3,952,053 1,378,647 547,947
42 15,703 31,287 46,990 3,936,350 1,409,934 563,650
43 15,827 31,163 46,990 3,920,522 1,441,097 579,478
44 15,953 31,037 46,990 3,904,570 1,472,135 595,430
45 16,079 30,911 46,990 3,888,491 1,503,046 611,509
46 16,206 30,784 46,990 3,872,285 1,533,830 627,715
47 16,335 30,656 46,990 3,855,950 1,564,485 644,050
48 16,464 30,526 46,990 3,839,486 1,595,012 660,514
49 16,594 30,396 46,990 3,822,892 1,625,407 677,108
50 16,726 30,265 46,990 3,806,166 1,655,672 693,834
51 16,858 30,132 46,990 3,789,309 1,685,804 710,691
52 16,991 29,999 46,990 3,772,317 1,715,803 727,683
53 17,126 29,864 46,990 3,755,191 1,745,667 744,809
54 17,262 29,729 46,990 3,737,930 1,775,396 762,070
55 17,398 29,592 46,990 3,720,531 1,804,988 779,469
56 17,536 29,454 46,990 3,702,996 1,834,442 797,004
57 17,675 29,315 46,990 3,685,321 1,863,757 814,679
58 17,815 29,175 46,990 3,667,506 1,892,933 832,494
59 17,956 29,034 46,990 3,649,551 1,921,967 850,449
60 18,098 28,892 46,990 3,631,453 1,950,859 868,547
61 18,241 28,749 46,990 3,613,212 1,979,608 886,788
62 18,386 28,605 46,990 3,594,826 2,008,213 905,174
63 18,531 28,459 46,990 3,576,295 2,036,672 923,705
64 18,678 28,312 46,990 3,557,617 2,064,984 942,383
65 18,826 28,164 46,990 3,538,792 2,093,149 961,208
66 18,975 28,015 46,990 3,519,817 2,121,164 980,183
67 19,125 27,865 46,990 3,500,692 2,149,029 999,308
68 19,276 27,714 46,990 3,481,416 2,176,743 1,018,584
69 19,429 27,561 46,990 3,461,987 2,204,304 1,038,013
70 19,583 27,407 46,990 3,442,404 2,231,712 1,057,596
71 19,738 27,252 46,990 3,422,666 2,258,964 1,077,334
72 19,894 27,096 46,990 3,402,772 2,286,060 1,097,228
73 20,051 26,939 46,990 3,382,721 2,312,999 1,117,279
74 20,210 26,780 46,990 3,362,511 2,339,779 1,137,489
75 20,370 26,620 46,990 3,342,140 2,366,399 1,157,860
76 20,531 26,459 46,990 3,321,609 2,392,857 1,178,391
77 20,694 26,296 46,990 3,300,915 2,419,153 1,199,085
78 20,858 26,132 46,990 3,280,057 2,445,286 1,219,943
79 21,023 25,967 46,990 3,259,034 2,471,253 1,240,966
80 21,189 25,801 46,990 3,237,845 2,497,053 1,262,155
81 21,357 25,633 46,990 3,216,487 2,522,686 1,283,513
82 21,526 25,464 46,990 3,194,961 2,548,150 1,305,039
83 21,697 25,293 46,990 3,173,264 2,573,444 1,326,736
84 21,868 25,122 46,990 3,151,396 2,598,565 1,348,604
85 22,042 24,949 46,990 3,129,354 2,623,514 1,370,646
86 22,216 24,774 46,990 3,107,138 2,648,288 1,392,862
87 22,392 24,598 46,990 3,084,746 2,672,886 1,415,254
88 22,569 24,421 46,990 3,062,177 2,697,307 1,437,823
89 22,748 24,242 46,990 3,039,429 2,721,549 1,460,571
90 22,928 24,062 46,990 3,016,501 2,745,611 1,483,499
91 23,109 23,881 46,990 2,993,392 2,769,492 1,506,608
92 23,292 23,698 46,990 2,970,100 2,793,190 1,529,900
93 23,477 23,513 46,990 2,946,623 2,816,703 1,553,377
94 23,663 23,327 46,990 2,922,960 2,840,030 1,577,040
95 23,850 23,140 46,990 2,899,110 2,863,171 1,600,890
96 24,039 22,951 46,990 2,875,071 2,886,122 1,624,929
97 24,229 22,761 46,990 2,850,842 2,908,883 1,649,158
98 24,421 22,569 46,990 2,826,421 2,931,452 1,673,579
99 24,614 22,376 46,990 2,801,807 2,953,828 1,698,193
100 24,809 22,181 46,990 2,776,998 2,976,009 1,723,002
101 25,006 21,985 46,990 2,751,992 2,997,993 1,748,008
102 25,204 21,787 46,990 2,726,789 3,019,780 1,773,211
103 25,403 21,587 46,990 2,701,386 3,041,367 1,798,614
104 25,604 21,386 46,990 2,675,781 3,062,753 1,824,219
105 25,807 21,183 46,990 2,649,975 3,083,936 1,850,025
106 26,011 20,979 46,990 2,623,963 3,104,915 1,876,037
107 26,217 20,773 46,990 2,597,746 3,125,688 1,902,254
108 26,425 20,565 46,990 2,571,322 3,146,254 1,928,678
109 26,634 20,356 46,990 2,544,688 3,166,610 1,955,312
110 26,845 20,145 46,990 2,517,843 3,186,755 1,982,157
111 27,057 19,933 46,990 2,490,786 3,206,688 2,009,214
112 27,271 19,719 46,990 2,463,515 3,226,407 2,036,485
113 27,487 19,503 46,990 2,436,027 3,245,910 2,063,973
114 27,705 19,285 46,990 2,408,323 3,265,195 2,091,677
115 27,924 19,066 46,990 2,380,398 3,284,261 2,119,602
116 28,145 18,845 46,990 2,352,253 3,303,106 2,147,747
117 28,368 18,622 46,990 2,323,885 3,321,728 2,176,115
118 28,593 18,397 46,990 2,295,292 3,340,125 2,204,708
119 28,819 18,171 46,990 2,266,473 3,358,296 2,233,527
120 29,047 17,943 46,990 2,237,426 3,376,239 2,262,574
121 29,277 17,713 46,990 2,208,149 3,393,952 2,291,851
122 29,509 17,481 46,990 2,178,640 3,411,433 2,321,360
123 29,743 17,248 46,990 2,148,897 3,428,681 2,351,103
124 29,978 17,012 46,990 2,118,919 3,445,693 2,381,081
125 30,215 16,775 46,990 2,088,704 3,462,468 2,411,296
126 30,455 16,536 46,990 2,058,250 3,479,003 2,441,750
127 30,696 16,294 46,990 2,027,554 3,495,298 2,472,446
128 30,939 16,051 46,990 1,996,615 3,511,349 2,503,385
129 31,184 15,807 46,990 1,965,432 3,527,156 2,534,568
130 31,430 15,560 46,990 1,934,001 3,542,716 2,565,999
131 31,679 15,311 46,990 1,902,322 3,558,026 2,597,678
132 31,930 15,060 46,990 1,870,392 3,573,086 2,629,608
133 32,183 14,807 46,990 1,838,209 3,587,894 2,661,791
134 32,438 14,552 46,990 1,805,771 3,602,446 2,694,229
135 32,694 14,296 46,990 1,773,077 3,616,742 2,726,923
136 32,953 14,037 46,990 1,740,124 3,630,779 2,759,876
137 33,214 13,776 46,990 1,706,910 3,644,555 2,793,090
138 33,477 13,513 46,990 1,673,433 3,658,068 2,826,567
139 33,742 13,248 46,990 1,639,690 3,671,316 2,860,310
140 34,009 12,981 46,990 1,605,681 3,684,297 2,894,319
141 34,278 12,712 46,990 1,571,403 3,697,008 2,928,597
142 34,550 12,440 46,990 1,536,853 3,709,449 2,963,147
143 34,823 12,167 46,990 1,502,030 3,721,615 2,997,970
144 35,099 11,891 46,990 1,466,930 3,733,506 3,033,070
145 35,377 11,613 46,990 1,431,554 3,745,120 3,068,446
146 35,657 11,333 46,990 1,395,897 3,756,453 3,104,103
147 35,939 11,051 46,990 1,359,957 3,767,504 3,140,043
148 36,224 10,766 46,990 1,323,734 3,778,270 3,176,266
149 36,511 10,480 46,990 1,287,223 3,788,750 3,212,777
150 36,800 10,191 46,990 1,250,423 3,798,940 3,249,577
151 37,091 9,899 46,990 1,213,332 3,808,839 3,286,668
152 37,385 9,606 46,990 1,175,948 3,818,445 3,324,052
153 37,681 9,310 46,990 1,138,267 3,827,754 3,361,733
154 37,979 9,011 46,990 1,100,289 3,836,766 3,399,711
155 38,279 8,711 46,990 1,062,009 3,845,476 3,437,991
156 38,583 8,408 46,990 1,023,427 3,853,884 3,476,573
157 38,888 8,102 46,990 984,539 3,861,986 3,515,461
158 39,196 7,794 46,990 945,343 3,869,780 3,554,657
159 39,506 7,484 46,990 905,837 3,877,264 3,594,163
160 39,819 7,171 46,990 866,018 3,884,435 3,633,982
161 40,134 6,856 46,990 825,884 3,891,291 3,674,116
162 40,452 6,538 46,990 785,432 3,897,830 3,714,568
163 40,772 6,218 46,990 744,660 3,904,048 3,755,340
164 41,095 5,895 46,990 703,565 3,909,943 3,796,435
165 41,420 5,570 46,990 662,144 3,915,513 3,837,856
166 41,748 5,242 46,990 620,396 3,920,755 3,879,604
167 42,079 4,911 46,990 578,318 3,925,666 3,921,682
168 42,412 4,578 46,990 535,906 3,930,244 3,964,094
169 42,748 4,243 46,990 493,158 3,934,487 4,006,842
170 43,086 3,904 46,990 450,072 3,938,391 4,049,928
171 43,427 3,563 46,990 406,645 3,941,954 4,093,355
172 43,771 3,219 46,990 362,875 3,945,174 4,137,125
173 44,117 2,873 46,990 318,757 3,948,046 4,181,243
174 44,467 2,523 46,990 274,291 3,950,570 4,225,709
175 44,819 2,171 46,990 229,472 3,952,741 4,270,528
176 45,173 1,817 46,990 184,298 3,954,558 4,315,702
177 45,531 1,459 46,990 138,767 3,956,017 4,361,233
178 45,892 1,099 46,990 92,876 3,957,116 4,407,124
179 46,255 735 46,990 46,621 3,957,851 4,453,379
180 46,621 369 46,990 - 3,958,220 4,500,000
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Total 4,500,000 3,958,220 8,458,220
000,000
500,000
000,000
Principal Outstanding (Rs.)

500,000
000,000
500,000
000,000
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