Skip to content
ClearRupee
Tools
How we calculate →

Loan part payment calculator: prepayment se kitna byaj bachega?

Baaki loan, byaj dar, bacha hua tenure aur part payment ki rakam daalein. Turant dekhein EMI kam karne aur tenure kam karne mein se kisme kitni bachat hai.

  • Free, sign-up nahi
  • Aapke numbers aapke device par hi
  • Formula sabke saamne
₹
%
mahine

18 saal

₹
₹
% part payment ka

Apna loan agreement ya KFS dekhein. Charge nahi hai toh 0 daalein.

%
Byaj dar ka type

Zyada se zyada byaj ki bachat

₹5,94,522

EMI same rakhne par ₹5,94,522 bachenge aur loan 2 saal 4 mahine pehle khatam hoga. EMI kam karwane par ₹1,84,944 bachenge.

Abhi ki EMI: ₹27,627

EMI same, tenure kam

Byaj ki bachat
₹5,94,522
Charge ke baad asli bachat
₹5,94,522
Loan khatam hoga
15 saal 8 mahine
Kitna jaldi
2 saal 4 mahine
EMI
₹27,627

Tenure same, EMI kam

Byaj ki bachat
₹1,84,944
Charge ke baad asli bachat
₹1,84,944
Nayi EMI
₹25,740
Loan khatam hoga
18 saal
Samay ke saath baaki loanBina part paymentEMI same, tenure kamTenure same, EMI kam
02y4y6y8y10y12y14y16y18y
Yeh hisaab kin baaton par based hai
  • Baaki loan ke liye byaj dar same maani gayi hai. Floating rate badalne par bachat bhi badlegi.
  • Part payment us mahine ki EMI ke saath hota hai aur turant principal kam karta hai.
  • Tenure kam: EMI same rehti hai aur loan jaldi khatam hota hai. EMI kam: end date same rehti hai aur har part payment ke baad EMI dobara calculate hoti hai.
  • Prepayment charge part payment ki rakam ka % maana gaya hai, chuna ho toh GST ke saath. Charge ke niyam loan type aur lender par depend karte hain; apna loan agreement aur KFS dekhein.
  • Bachat rupaye mein hai; is paise ko invest karke milne wala return isme shaamil nahi.

Poora formula aur tareeka (English)

Zyada se zyada byaj ki bachat

₹5,94,522

Part payment ke baad EMI kam karein ya tenure?

Part payment ki poori rakam seedhe principal mein jaati hai. Uske baad bank ya toh EMI same rakh kar loan jaldi khatam karta hai, ya end date same rakh kar EMI kam karta hai.

Udaharan: ₹30 lakh ka home loan, 8.75% byaj, 18 yrs baaki (EMI ₹27,627). 12vi EMI ke saath ₹2 lakh ka part payment karne par:

  • EMI same, tenure kam: ₹5,94,522 byaj bachega aur loan 2 yrs 4 mo pehle khatam hoga.
  • Tenure same, EMI kam: EMI ghat kar ₹25,740 ho jaayegi aur ₹1,84,944 byaj bachega.

Personal loan mein part payment

Personal loan chhote hote hain aur unpar prepayment charge lag sakta hai, isliye charge ke baad ki bachat dekhein. ₹4,00,000 baaki, 13% byaj, 30 EMI bachi hain, aur ₹1,00,000 ka part payment 2% charge + GST (₹2,360) ke saath: EMI same rakhne par charge ke baad ₹28,936 bachenge. EMI kam karwa kar ₹11,652 karne par ₹14,706 bachenge.

Poora loan band karna hai?

Poora baaki loan chukane ke liye loan foreclosure calculator use karein. Usme foreclosure charge aur GST ke saath kul amount dikhta hai.

Aksar pooche jaane wale sawal

Part payment ke baad EMI kam karein ya tenure?

Tenure kam karwane se aam taur par zyada byaj bachta hai, kyunki EMI same rehti hai aur uska zyada hissa principal mein jaata hai. EMI kam karwane se byaj kam bachta hai, lekin har mahine haath mein zyada paisa rehta hai. Calculator dono ka hisaab saath mein dikhata hai.

Part payment aur preclosure (foreclosure) mein kya fark hai?

Part payment (part prepayment) mein aap EMI ke upar extra rakam dete hain, jisse baaki loan kam hota hai aur loan chalta rehta hai. Preclosure ya foreclosure ka matlab hai poora baaki loan ek saath chuka kar loan band kar dena.

Prepayment ya part payment par charge lagta hai kya?

Individuals ko non-business kaam ke liye diye gaye floating rate loans par RBI ke niyam prepayment charge ki ijazat nahi dete (1 January 2026 ya uske baad sanction ya renew hue loans ke liye; purane niyam bhi zyadatar aise loans par yahi kehte the). Fixed rate loans par charge lag sakta hai. Apna loan agreement aur Key Facts Statement (KFS) dekhein aur charge calculator mein daal kar asli bachat dekhein.

Kya personal loan mein part payment kar sakte hain?

Hisaab home loan jaisa hi hai: loan statement se baaki loan, byaj dar aur bache hue mahine daalein. Part payment kab aur kitna kar sakte hain, aur uska charge kitna hai, yeh aapke loan agreement aur KFS mein likha hota hai. Personal loan aksar fixed rate hote hain aur charge lag sakta hai, isliye charge daal kar asli bachat dekhein.

Part payment kab karna sabse faydemand hai?

Jitna jaldi, utna achha. Byaj baaki loan par lagta hai, isliye loan ke shuru mein kiya gaya part payment baad mein kiye gaye usi rakam ke part payment se zyada byaj bachata hai. Calculator mein alag alag EMI number daal kar dekhein.

Poora loan band karne ka amount kaise nikale?

Loan foreclosure calculator use karein. Woh aakhri EMI ke baad ka baaki principal, foreclosure charge aur GST jod kar total amount aur bachne wala byaj dikhata hai. Yeh calculator part payment ke liye hai.

Aur calculators (English)