DSCR Calculator
Check how comfortably your annual cash flow covers loan repayments and interest.
Borrowing & repayment
Loan EMI Calculator
Calculate your monthly instalment, total interest and total repayment for a loan. Calculated on your device — never submitted.
How this is calculated
EMI = P × r × (1+r)^n / ((1+r)^n − 1), where r is the monthly interest rate and n is tenure in months. At 0% interest, EMI = P / n. Assumes a fixed rate and monthly repayments; fees excluded.
Indicative planning estimate. This is not a lending offer or eligibility decision. Final assessment, definitions, margins, pricing and charges are lender-specific.
Your estimate
Monthly EMI
₹44,986
- Total interest
- ₹57,96,711
- Total repayment
- ₹1,07,96,711
- Loan amount
- ₹50,00,000
Year-by-year schedule
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹93,636 | ₹4.46 L | ₹49.06 L |
| 2 | ₹1.02 L | ₹4.37 L | ₹48.04 L |
| 3 | ₹1.12 L | ₹4.28 L | ₹46.92 L |
| 4 | ₹1.23 L | ₹4.17 L | ₹45.69 L |
| 5 | ₹1.34 L | ₹4.06 L | ₹44.35 L |
| 6 | ₹1.47 L | ₹3.93 L | ₹42.89 L |
| 7 | ₹1.6 L | ₹3.79 L | ₹41.28 L |
| 8 | ₹1.75 L | ₹3.64 L | ₹39.53 L |
| 9 | ₹1.92 L | ₹3.48 L | ₹37.61 L |
| 10 | ₹2.1 L | ₹3.3 L | ₹35.51 L |
| 11 | ₹2.3 L | ₹3.1 L | ₹33.22 L |
| 12 | ₹2.51 L | ₹2.89 L | ₹30.71 L |
| 13 | ₹2.75 L | ₹2.65 L | ₹27.96 L |
| 14 | ₹3 L | ₹2.39 L | ₹24.96 L |
| 15 | ₹3.29 L | ₹2.11 L | ₹21.67 L |
| 16 | ₹3.59 L | ₹1.8 L | ₹18.08 L |
| 17 | ₹3.93 L | ₹1.47 L | ₹14.15 L |
| 18 | ₹4.3 L | ₹1.1 L | ₹9.85 L |
| 19 | ₹4.7 L | ₹69,538 | ₹5.14 L |
| 20 | ₹5.14 L | ₹25,421 | ₹0 |
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Calculated on your device. Your figures aren't sent unless you choose to share them.
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Discuss these numbers with an advisor
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