EMI कैलकुलेटर — अपनी मासिक किस्त जानें
अपनी लोन EMI तुरंत कैलकुलेट करें। मुफ़्त ऑनलाइन EMI कैलकुलेटर — होम लोन, कार लोन, पर्सनल लोन के लिए।
उपयोग कैसे करें
- Enter your loan amount using the slider or type directly in the input box.
- Set the annual interest rate charged by your bank.
- Adjust the loan tenure (in months) — see EMI, total interest and total payment update instantly.
फॉर्मूला
EMI = P × r × (1 + r)ⁿ / ((1 + r)ⁿ − 1)
Where: P = Principal loan amount
r = Monthly interest rate (Annual Rate ÷ 12 ÷ 100)
n = Loan tenure in months
उदाहरण गणना
Example: ₹5,00,000 loan at 8.5% p.a. for 5 years (60 months)
| Parameter | Value |
|---|---|
| Loan Amount (P) | ₹5,00,000 |
| Annual Interest Rate | 8.5% |
| Monthly Rate (r) | 8.5 ÷ 12 ÷ 100 = 0.00708 |
| Tenure (n) | 60 months |
| Monthly EMI | ₹10,246 |
| Total Interest | ₹1,14,780 |
| Total Repayment | ₹6,14,780 |
अक्सर पूछे जाने वाले प्रश्न
EMI stands for Equated Monthly Instalment. It is a fixed amount paid by a borrower to a lender every month. It includes both the principal and interest components of the loan.
EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1), where P = principal, r = monthly interest rate, and n = number of monthly instalments.
Yes. A longer tenure reduces monthly EMI but increases total interest paid. A shorter tenure means higher EMI but lower overall interest cost.
Missing an EMI attracts penalty charges (typically 1–2% per month) and negatively impacts your CIBIL credit score.
Yes. Most banks allow part-prepayment after a lock-in period. Prepayment reduces either your EMI or remaining tenure, saving significant interest.
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