EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 35,390
- Total interest
- Rs. 34.94 Lakh
- Total payment
- Rs. 84.94 Lakh
Principal and interest
Principal · Rs. 50 Lakh (59%)Interest (41%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.36 Lakh | Rs. 2.89 Lakh | Rs. 48.64 Lakh |
| 2 | Rs. 1.44 Lakh | Rs. 2.81 Lakh | Rs. 47.2 Lakh |
| 3 | Rs. 1.53 Lakh | Rs. 2.72 Lakh | Rs. 45.68 Lakh |
| 4 | Rs. 1.62 Lakh | Rs. 2.63 Lakh | Rs. 44.06 Lakh |
| 5 | Rs. 1.71 Lakh | Rs. 2.53 Lakh | Rs. 42.34 Lakh |
| 6 | Rs. 1.82 Lakh | Rs. 2.43 Lakh | Rs. 40.53 Lakh |
| 7 | Rs. 1.93 Lakh | Rs. 2.32 Lakh | Rs. 38.6 Lakh |
| 8 | Rs. 2.04 Lakh | Rs. 2.2 Lakh | Rs. 36.56 Lakh |
| 9 | Rs. 2.17 Lakh | Rs. 2.08 Lakh | Rs. 34.39 Lakh |
| 10 | Rs. 2.3 Lakh | Rs. 1.95 Lakh | Rs. 32.09 Lakh |
| 11 | Rs. 2.43 Lakh | Rs. 1.81 Lakh | Rs. 29.66 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.67 Lakh | Rs. 27.08 Lakh |
| 13 | Rs. 2.74 Lakh | Rs. 1.51 Lakh | Rs. 24.35 Lakh |
| 14 | Rs. 2.9 Lakh | Rs. 1.35 Lakh | Rs. 21.45 Lakh |
| 15 | Rs. 3.07 Lakh | Rs. 1.17 Lakh | Rs. 18.37 Lakh |
| 16 | Rs. 3.26 Lakh | Rs. 98,831 | Rs. 15.11 Lakh |
| 17 | Rs. 3.45 Lakh | Rs. 79,250 | Rs. 11.66 Lakh |
| 18 | Rs. 3.66 Lakh | Rs. 58,491 | Rs. 8 Lakh |
| 19 | Rs. 3.88 Lakh | Rs. 36,485 | Rs. 4.12 Lakh |
| 20 | Rs. 4.12 Lakh | Rs. 13,156 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.