EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 34,791
- Total interest
- Rs. 33.5 Lakh
- Total payment
- Rs. 83.5 Lakh
Principal and interest
Principal · Rs. 50 Lakh (60%)Interest (40%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.39 Lakh | Rs. 2.78 Lakh | Rs. 48.61 Lakh |
| 2 | Rs. 1.47 Lakh | Rs. 2.7 Lakh | Rs. 47.14 Lakh |
| 3 | Rs. 1.56 Lakh | Rs. 2.62 Lakh | Rs. 45.58 Lakh |
| 4 | Rs. 1.65 Lakh | Rs. 2.53 Lakh | Rs. 43.94 Lakh |
| 5 | Rs. 1.74 Lakh | Rs. 2.43 Lakh | Rs. 42.19 Lakh |
| 6 | Rs. 1.84 Lakh | Rs. 2.33 Lakh | Rs. 40.35 Lakh |
| 7 | Rs. 1.95 Lakh | Rs. 2.23 Lakh | Rs. 38.4 Lakh |
| 8 | Rs. 2.06 Lakh | Rs. 2.11 Lakh | Rs. 36.34 Lakh |
| 9 | Rs. 2.18 Lakh | Rs. 1.99 Lakh | Rs. 34.16 Lakh |
| 10 | Rs. 2.31 Lakh | Rs. 1.87 Lakh | Rs. 31.85 Lakh |
| 11 | Rs. 2.44 Lakh | Rs. 1.73 Lakh | Rs. 29.41 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.59 Lakh | Rs. 26.83 Lakh |
| 13 | Rs. 2.73 Lakh | Rs. 1.44 Lakh | Rs. 24.1 Lakh |
| 14 | Rs. 2.89 Lakh | Rs. 1.29 Lakh | Rs. 21.21 Lakh |
| 15 | Rs. 3.06 Lakh | Rs. 1.12 Lakh | Rs. 18.15 Lakh |
| 16 | Rs. 3.23 Lakh | Rs. 94,106 | Rs. 14.92 Lakh |
| 17 | Rs. 3.42 Lakh | Rs. 75,388 | Rs. 11.5 Lakh |
| 18 | Rs. 3.62 Lakh | Rs. 55,587 | Rs. 7.88 Lakh |
| 19 | Rs. 3.83 Lakh | Rs. 34,639 | Rs. 4.05 Lakh |
| 20 | Rs. 4.05 Lakh | Rs. 12,479 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.