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EMI calculator: loan ki EMI kitni banegi?

Loan amount, byaj dar (interest rate) aur tenure daalein. Turant dekhein har mahine kitna dena padega aur kul kitna byaj lagega.

  • Free, sign-up nahi
  • Aapke numbers aapke device par hi
  • Formula sabke saamne
₹
% saalana
Tenure (avadhi)
saal

Aapki mahine ki EMI

₹10,871

Aapko har mahine ₹10,871 dena hoga. Poore loan par ₹1,52,273 byaj lagega — yani liye gaye loan se 30% zyada.

Kul byaj (total interest)
₹1,52,273
Kul chukana hoga
₹6,52,273
  • Mool rashi (principal): ₹5,00,000 (77%)
  • Byaj (interest): ₹1,52,273 (23%)

Processing fee se asli kharcha badhta hai — true cost check karein (English) →

Yeh hisaab kin baaton par based hai
  • Poore tenure mein byaj dar fixed maani gayi hai, aur byaj reducing balance par lagta hai.
  • Pehli EMI loan milne ke ek mahine baad; har EMI samay par bhari gayi.
  • Processing fee (aur us par GST), insurance aur doosre charges shaamil nahi hain. Inke liye true cost checker use karein.
  • Rakam nazdeeki rupaye tak round ki gayi hai, isliye aakhri EMI thodi alag ho sakti hai.

Poora formula aur tareeka (English)

Mahine-dar-mahine EMI schedule (60 EMI)
EMI schedule, saal 1 / 5
MahinaEMIMool rashiByajBaaki loan
1₹10,871₹6,288₹4,583₹4,93,712
2₹10,871₹6,346₹4,526₹4,87,367
3₹10,871₹6,404₹4,468₹4,80,963
4₹10,871₹6,462₹4,409₹4,74,501
5₹10,871₹6,522₹4,350₹4,67,979
6₹10,871₹6,581₹4,290₹4,61,398
7₹10,871₹6,642₹4,229₹4,54,756
8₹10,871₹6,703₹4,169₹4,48,053
9₹10,871₹6,764₹4,107₹4,41,289
10₹10,871₹6,826₹4,045₹4,34,463
11₹10,871₹6,889₹3,983₹4,27,574
12₹10,871₹6,952₹3,919₹4,20,623
Saal 1 / 5
Excel ya Google Sheets mein khulega. File aapke phone/computer par hi banti hai, kahin bheji nahi jaati.

Aapki mahine ki EMI

₹10,871

EMI nikalne ka tarika (formula)

Reducing balance loan ki EMI is formula se nikalti hai:

EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1)

  • P = loan amount
  • r = mahine ki byaj dar = saalana dar ÷ 12 ÷ 100
  • n = kitne mahine mein chukana hai

Udaharan: ₹10 lakh, 10% saalana, 5 saal. Yahan r = 10 ÷ 12 ÷ 100 = 0.00833 aur n = 60. Formula mein daalne par EMI lagbhag ₹21,247 aati hai, aur 60 mahine mein kul byaj lagbhag ₹2,74,823.

Aapke daale gaye numbers sirf aapke browser mein process hote hain. Hum unhe store ya send nahi karte.

Aksar pooche jaane wale sawal

10 lakh loan ki EMI kitni hogi?

Yeh byaj dar aur tenure par depend karta hai. 10% saalana byaj par 5 saal ke liye EMI lagbhag ₹21,247 banegi aur kul byaj lagbhag ₹2,74,823. 12% par 3 saal ke liye EMI lagbhag ₹33,214 hogi. 8.5% par 20 saal (home loan jaisa) ke liye EMI lagbhag ₹8,678 hogi, lekin kul byaj badhkar lagbhag ₹10,82,776 ho jaata hai. Apni dar aur tenure upar calculator mein daalkar sahi rakam dekhein.

EMI kaise calculate kare?

EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1). Yahan P loan amount hai, r mahine ki byaj dar hai (saalana dar ÷ 12 ÷ 100) aur n kitne mahine mein loan chukana hai. Calculator yahi formula use karta hai, isliye aapko khud hisaab lagane ki zaroorat nahi.

Loan par interest kitna lagega?

Kul byaj = EMI × kul mahine − loan amount. Calculator yeh 'Kul byaj' mein dikhata hai. Tenure jitna lamba, EMI utni kam, lekin kul byaj utna zyada.

Gadi ya bike loan ki EMI kaise nikale?

Car aur bike loan ki EMI bhi isi formula se nikalti hai. Loan amount mein gaadi ki keemat se down payment ghata kar daalein, phir lender ki byaj dar aur tenure daalein.

Home loan ki kist (EMI) kaise check kare?

Kist aur EMI ek hi cheez hai. Naye loan ke liye poora loan amount, byaj dar aur tenure daalein. Chal rahe loan ke liye apne loan statement se baaki loan (outstanding) aur bache hue mahine daalein.

Personal loan par kitna byaj lagta hai?

Byaj dar har lender aur har borrower ke liye alag hoti hai, aapke credit record aur income par bhi depend karti hai. Apne loan offer ya Key Facts Statement (KFS) mein di gayi dar yahan daalein aur dekhein kul kitna byaj lagega. Processing fee ke saath asli kharcha dekhne ke liye Loan True Cost & APR Checker use karein.

Bike loan ya koi bhi loan kitna tak milega?

Yeh lender tay karta hai, aapki income, chal rahi EMIs, credit history aur unki apni policy dekhkar. Aapke budget mein kitni EMI fit hoti hai, iska andaza Loan Affordability (FOIR) Calculator se lagayein. Yeh sirf andaza hai, lender ka faisla nahi.

Flat rate aur reducing balance mein kya fark hai?

Reducing balance mein byaj sirf baaki loan par lagta hai, jo zyadatar bank loans mein hota hai, aur yeh calculator bhi isi tarah hisaab lagata hai. Flat rate mein poore tenure tak original amount par byaj lagta hai, isliye mehenga padta hai. Jaise ₹1 lakh, 1 saal, 12%: reducing balance par byaj lagbhag ₹6,619 (EMI ₹8,885), flat rate par ₹12,000 (EMI ₹9,333).

Mobile se EMI kaise check kare?

Yeh calculator mobile browser mein hi chalta hai. Koi app ya sign-up nahi chahiye. Aapke daale gaye numbers aapke phone par hi rehte hain, kahin bheje nahi jaate.

Kya EMI schedule Excel mein download kar sakte hain?

Haan. Result ke neeche 'Schedule download karein (Excel / CSV)' button dabayein. File Excel ya Google Sheets mein khulti hai, jisme har mahine ki EMI, mool rashi, byaj aur baaki loan hota hai.

Aur calculators (English)