EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 34,423
- Total interest
- Rs. 32.61 Lakh
- Total payment
- Rs. 82.61 Lakh
Principal and interest
Principal · Rs. 50 Lakh (61%)Interest (39%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.41 Lakh | Rs. 2.72 Lakh | Rs. 48.59 Lakh |
| 2 | Rs. 1.49 Lakh | Rs. 2.64 Lakh | Rs. 47.1 Lakh |
| 3 | Rs. 1.57 Lakh | Rs. 2.56 Lakh | Rs. 45.52 Lakh |
| 4 | Rs. 1.66 Lakh | Rs. 2.47 Lakh | Rs. 43.86 Lakh |
| 5 | Rs. 1.76 Lakh | Rs. 2.37 Lakh | Rs. 42.1 Lakh |
| 6 | Rs. 1.86 Lakh | Rs. 2.27 Lakh | Rs. 40.24 Lakh |
| 7 | Rs. 1.96 Lakh | Rs. 2.17 Lakh | Rs. 38.28 Lakh |
| 8 | Rs. 2.07 Lakh | Rs. 2.06 Lakh | Rs. 36.21 Lakh |
| 9 | Rs. 2.19 Lakh | Rs. 1.94 Lakh | Rs. 34.02 Lakh |
| 10 | Rs. 2.31 Lakh | Rs. 1.82 Lakh | Rs. 31.7 Lakh |
| 11 | Rs. 2.44 Lakh | Rs. 1.69 Lakh | Rs. 29.26 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.55 Lakh | Rs. 26.68 Lakh |
| 13 | Rs. 2.73 Lakh | Rs. 1.4 Lakh | Rs. 23.95 Lakh |
| 14 | Rs. 2.88 Lakh | Rs. 1.25 Lakh | Rs. 21.06 Lakh |
| 15 | Rs. 3.05 Lakh | Rs. 1.08 Lakh | Rs. 18.02 Lakh |
| 16 | Rs. 3.22 Lakh | Rs. 91,226 | Rs. 14.8 Lakh |
| 17 | Rs. 3.4 Lakh | Rs. 73,037 | Rs. 11.4 Lakh |
| 18 | Rs. 3.59 Lakh | Rs. 53,821 | Rs. 7.81 Lakh |
| 19 | Rs. 3.8 Lakh | Rs. 33,518 | Rs. 4.01 Lakh |
| 20 | Rs. 4.01 Lakh | Rs. 12,069 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.