EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 34,225
- Total interest
- Rs. 32.14 Lakh
- Total payment
- Rs. 82.14 Lakh
Principal and interest
Principal · Rs. 50 Lakh (61%)Interest (39%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.42 Lakh | Rs. 2.68 Lakh | Rs. 48.58 Lakh |
| 2 | Rs. 1.5 Lakh | Rs. 2.61 Lakh | Rs. 47.08 Lakh |
| 3 | Rs. 1.59 Lakh | Rs. 2.52 Lakh | Rs. 45.49 Lakh |
| 4 | Rs. 1.67 Lakh | Rs. 2.43 Lakh | Rs. 43.82 Lakh |
| 5 | Rs. 1.77 Lakh | Rs. 2.34 Lakh | Rs. 42.05 Lakh |
| 6 | Rs. 1.87 Lakh | Rs. 2.24 Lakh | Rs. 40.19 Lakh |
| 7 | Rs. 1.97 Lakh | Rs. 2.14 Lakh | Rs. 38.22 Lakh |
| 8 | Rs. 2.08 Lakh | Rs. 2.03 Lakh | Rs. 36.14 Lakh |
| 9 | Rs. 2.2 Lakh | Rs. 1.91 Lakh | Rs. 33.94 Lakh |
| 10 | Rs. 2.32 Lakh | Rs. 1.79 Lakh | Rs. 31.62 Lakh |
| 11 | Rs. 2.45 Lakh | Rs. 1.66 Lakh | Rs. 29.18 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.52 Lakh | Rs. 26.59 Lakh |
| 13 | Rs. 2.73 Lakh | Rs. 1.38 Lakh | Rs. 23.86 Lakh |
| 14 | Rs. 2.88 Lakh | Rs. 1.23 Lakh | Rs. 20.98 Lakh |
| 15 | Rs. 3.04 Lakh | Rs. 1.07 Lakh | Rs. 17.94 Lakh |
| 16 | Rs. 3.21 Lakh | Rs. 89,689 | Rs. 14.73 Lakh |
| 17 | Rs. 3.39 Lakh | Rs. 71,784 | Rs. 11.34 Lakh |
| 18 | Rs. 3.58 Lakh | Rs. 52,880 | Rs. 7.77 Lakh |
| 19 | Rs. 3.78 Lakh | Rs. 32,922 | Rs. 3.99 Lakh |
| 20 | Rs. 3.99 Lakh | Rs. 11,850 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.