EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 34,649
- Total interest
- Rs. 33.16 Lakh
- Total payment
- Rs. 83.16 Lakh
Principal and interest
Principal · Rs. 50 Lakh (60%)Interest (40%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.4 Lakh | Rs. 2.76 Lakh | Rs. 48.6 Lakh |
| 2 | Rs. 1.48 Lakh | Rs. 2.68 Lakh | Rs. 47.12 Lakh |
| 3 | Rs. 1.56 Lakh | Rs. 2.59 Lakh | Rs. 45.56 Lakh |
| 4 | Rs. 1.65 Lakh | Rs. 2.5 Lakh | Rs. 43.91 Lakh |
| 5 | Rs. 1.75 Lakh | Rs. 2.41 Lakh | Rs. 42.16 Lakh |
| 6 | Rs. 1.85 Lakh | Rs. 2.31 Lakh | Rs. 40.31 Lakh |
| 7 | Rs. 1.95 Lakh | Rs. 2.2 Lakh | Rs. 38.36 Lakh |
| 8 | Rs. 2.07 Lakh | Rs. 2.09 Lakh | Rs. 36.29 Lakh |
| 9 | Rs. 2.18 Lakh | Rs. 1.97 Lakh | Rs. 34.11 Lakh |
| 10 | Rs. 2.31 Lakh | Rs. 1.85 Lakh | Rs. 31.8 Lakh |
| 11 | Rs. 2.44 Lakh | Rs. 1.72 Lakh | Rs. 29.35 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.58 Lakh | Rs. 26.77 Lakh |
| 13 | Rs. 2.73 Lakh | Rs. 1.43 Lakh | Rs. 24.04 Lakh |
| 14 | Rs. 2.89 Lakh | Rs. 1.27 Lakh | Rs. 21.15 Lakh |
| 15 | Rs. 3.05 Lakh | Rs. 1.11 Lakh | Rs. 18.1 Lakh |
| 16 | Rs. 3.23 Lakh | Rs. 92,994 | Rs. 14.87 Lakh |
| 17 | Rs. 3.41 Lakh | Rs. 74,480 | Rs. 11.46 Lakh |
| 18 | Rs. 3.61 Lakh | Rs. 54,905 | Rs. 7.85 Lakh |
| 19 | Rs. 3.82 Lakh | Rs. 34,206 | Rs. 4.03 Lakh |
| 20 | Rs. 4.03 Lakh | Rs. 12,321 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.