EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 33,497
- Total interest
- Rs. 30.39 Lakh
- Total payment
- Rs. 80.39 Lakh
Principal and interest
Principal · Rs. 50 Lakh (62%)Interest (38%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.46 Lakh | Rs. 2.56 Lakh | Rs. 48.54 Lakh |
| 2 | Rs. 1.54 Lakh | Rs. 2.48 Lakh | Rs. 46.99 Lakh |
| 3 | Rs. 1.62 Lakh | Rs. 2.4 Lakh | Rs. 45.37 Lakh |
| 4 | Rs. 1.71 Lakh | Rs. 2.31 Lakh | Rs. 43.66 Lakh |
| 5 | Rs. 1.8 Lakh | Rs. 2.22 Lakh | Rs. 41.86 Lakh |
| 6 | Rs. 1.9 Lakh | Rs. 2.12 Lakh | Rs. 39.96 Lakh |
| 7 | Rs. 2 Lakh | Rs. 2.02 Lakh | Rs. 37.97 Lakh |
| 8 | Rs. 2.1 Lakh | Rs. 1.92 Lakh | Rs. 35.87 Lakh |
| 9 | Rs. 2.21 Lakh | Rs. 1.81 Lakh | Rs. 33.65 Lakh |
| 10 | Rs. 2.33 Lakh | Rs. 1.69 Lakh | Rs. 31.32 Lakh |
| 11 | Rs. 2.45 Lakh | Rs. 1.56 Lakh | Rs. 28.87 Lakh |
| 12 | Rs. 2.59 Lakh | Rs. 1.43 Lakh | Rs. 26.28 Lakh |
| 13 | Rs. 2.72 Lakh | Rs. 1.3 Lakh | Rs. 23.56 Lakh |
| 14 | Rs. 2.87 Lakh | Rs. 1.15 Lakh | Rs. 20.69 Lakh |
| 15 | Rs. 3.02 Lakh | Rs. 1 Lakh | Rs. 17.67 Lakh |
| 16 | Rs. 3.18 Lakh | Rs. 84,069 | Rs. 14.49 Lakh |
| 17 | Rs. 3.35 Lakh | Rs. 67,205 | Rs. 11.15 Lakh |
| 18 | Rs. 3.53 Lakh | Rs. 49,447 | Rs. 7.62 Lakh |
| 19 | Rs. 3.71 Lakh | Rs. 30,747 | Rs. 3.91 Lakh |
| 20 | Rs. 3.91 Lakh | Rs. 11,055 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.