EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 34,933
- Total interest
- Rs. 33.84 Lakh
- Total payment
- Rs. 83.84 Lakh
Principal and interest
Principal · Rs. 50 Lakh (60%)Interest (40%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.38 Lakh | Rs. 2.81 Lakh | Rs. 48.62 Lakh |
| 2 | Rs. 1.46 Lakh | Rs. 2.73 Lakh | Rs. 47.15 Lakh |
| 3 | Rs. 1.55 Lakh | Rs. 2.64 Lakh | Rs. 45.61 Lakh |
| 4 | Rs. 1.64 Lakh | Rs. 2.55 Lakh | Rs. 43.97 Lakh |
| 5 | Rs. 1.74 Lakh | Rs. 2.46 Lakh | Rs. 42.23 Lakh |
| 6 | Rs. 1.84 Lakh | Rs. 2.36 Lakh | Rs. 40.39 Lakh |
| 7 | Rs. 1.94 Lakh | Rs. 2.25 Lakh | Rs. 38.45 Lakh |
| 8 | Rs. 2.06 Lakh | Rs. 2.13 Lakh | Rs. 36.39 Lakh |
| 9 | Rs. 2.18 Lakh | Rs. 2.01 Lakh | Rs. 34.22 Lakh |
| 10 | Rs. 2.3 Lakh | Rs. 1.89 Lakh | Rs. 31.91 Lakh |
| 11 | Rs. 2.44 Lakh | Rs. 1.75 Lakh | Rs. 29.47 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.61 Lakh | Rs. 26.89 Lakh |
| 13 | Rs. 2.73 Lakh | Rs. 1.46 Lakh | Rs. 24.16 Lakh |
| 14 | Rs. 2.89 Lakh | Rs. 1.3 Lakh | Rs. 21.27 Lakh |
| 15 | Rs. 3.06 Lakh | Rs. 1.13 Lakh | Rs. 18.2 Lakh |
| 16 | Rs. 3.24 Lakh | Rs. 95,223 | Rs. 14.97 Lakh |
| 17 | Rs. 3.43 Lakh | Rs. 76,300 | Rs. 11.54 Lakh |
| 18 | Rs. 3.63 Lakh | Rs. 56,272 | Rs. 7.91 Lakh |
| 19 | Rs. 3.84 Lakh | Rs. 35,075 | Rs. 4.07 Lakh |
| 20 | Rs. 4.07 Lakh | Rs. 12,639 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.