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Loan EMI Calculator India

Calculate exact monthly EMI, total interest, and loan payment breakdown for home, car, and personal loans.

Loan Inputs

₹
%
Yrs

Payment Summary

Monthly EMI
₹0
Total Interest Payable₹0
Total Payment (Principal + Interest)₹0
Breakdown Share

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Understanding Loan EMI Calculations in India

Equated Monthly Installment (EMI) consists of two parts: Principal repayment and Interest payment as per guidelines from the Reserve Bank of India (RBI). In the early years of a home loan, interest forms up to 75% of your EMI.

Worked Rupee Example

For a ₹30 Lakh Home Loan at 8.5% interest rate for 20 years:

Frequently Asked Questions