EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 48,251
- Total interest
- Rs. 65.8 Lakh
- Total payment
- Rs. 1.16 Crore
Principal and interest
Principal · Rs. 50 Lakh (43%)Interest (57%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 82,737 | Rs. 4.96 Lakh | Rs. 49.17 Lakh |
| 2 | Rs. 91,401 | Rs. 4.88 Lakh | Rs. 48.26 Lakh |
| 3 | Rs. 1.01 Lakh | Rs. 4.78 Lakh | Rs. 47.25 Lakh |
| 4 | Rs. 1.12 Lakh | Rs. 4.67 Lakh | Rs. 46.13 Lakh |
| 5 | Rs. 1.23 Lakh | Rs. 4.56 Lakh | Rs. 44.9 Lakh |
| 6 | Rs. 1.36 Lakh | Rs. 4.43 Lakh | Rs. 43.54 Lakh |
| 7 | Rs. 1.5 Lakh | Rs. 4.29 Lakh | Rs. 42.04 Lakh |
| 8 | Rs. 1.66 Lakh | Rs. 4.13 Lakh | Rs. 40.37 Lakh |
| 9 | Rs. 1.84 Lakh | Rs. 3.95 Lakh | Rs. 38.54 Lakh |
| 10 | Rs. 2.03 Lakh | Rs. 3.76 Lakh | Rs. 36.51 Lakh |
| 11 | Rs. 2.24 Lakh | Rs. 3.55 Lakh | Rs. 34.27 Lakh |
| 12 | Rs. 2.47 Lakh | Rs. 3.32 Lakh | Rs. 31.8 Lakh |
| 13 | Rs. 2.73 Lakh | Rs. 3.06 Lakh | Rs. 29.06 Lakh |
| 14 | Rs. 3.02 Lakh | Rs. 2.77 Lakh | Rs. 26.05 Lakh |
| 15 | Rs. 3.34 Lakh | Rs. 2.45 Lakh | Rs. 22.71 Lakh |
| 16 | Rs. 3.69 Lakh | Rs. 2.11 Lakh | Rs. 19.02 Lakh |
| 17 | Rs. 4.07 Lakh | Rs. 1.72 Lakh | Rs. 14.95 Lakh |
| 18 | Rs. 4.5 Lakh | Rs. 1.29 Lakh | Rs. 10.46 Lakh |
| 19 | Rs. 4.97 Lakh | Rs. 82,203 | Rs. 5.49 Lakh |
| 20 | Rs. 5.49 Lakh | Rs. 30,181 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.