EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 34,197
- Total interest
- Rs. 32.07 Lakh
- Total payment
- Rs. 82.07 Lakh
Principal and interest
Principal · Rs. 50 Lakh (61%)Interest (39%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.42 Lakh | Rs. 2.68 Lakh | Rs. 48.58 Lakh |
| 2 | Rs. 1.5 Lakh | Rs. 2.6 Lakh | Rs. 47.07 Lakh |
| 3 | Rs. 1.59 Lakh | Rs. 2.52 Lakh | Rs. 45.49 Lakh |
| 4 | Rs. 1.67 Lakh | Rs. 2.43 Lakh | Rs. 43.81 Lakh |
| 5 | Rs. 1.77 Lakh | Rs. 2.34 Lakh | Rs. 42.04 Lakh |
| 6 | Rs. 1.87 Lakh | Rs. 2.24 Lakh | Rs. 40.18 Lakh |
| 7 | Rs. 1.97 Lakh | Rs. 2.13 Lakh | Rs. 38.21 Lakh |
| 8 | Rs. 2.08 Lakh | Rs. 2.02 Lakh | Rs. 36.13 Lakh |
| 9 | Rs. 2.2 Lakh | Rs. 1.91 Lakh | Rs. 33.93 Lakh |
| 10 | Rs. 2.32 Lakh | Rs. 1.79 Lakh | Rs. 31.61 Lakh |
| 11 | Rs. 2.45 Lakh | Rs. 1.66 Lakh | Rs. 29.16 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.52 Lakh | Rs. 26.58 Lakh |
| 13 | Rs. 2.73 Lakh | Rs. 1.38 Lakh | Rs. 23.85 Lakh |
| 14 | Rs. 2.88 Lakh | Rs. 1.22 Lakh | Rs. 20.97 Lakh |
| 15 | Rs. 3.04 Lakh | Rs. 1.06 Lakh | Rs. 17.93 Lakh |
| 16 | Rs. 3.21 Lakh | Rs. 89,470 | Rs. 14.72 Lakh |
| 17 | Rs. 3.39 Lakh | Rs. 71,606 | Rs. 11.34 Lakh |
| 18 | Rs. 3.58 Lakh | Rs. 52,746 | Rs. 7.76 Lakh |
| 19 | Rs. 3.78 Lakh | Rs. 32,837 | Rs. 3.99 Lakh |
| 20 | Rs. 3.99 Lakh | Rs. 11,819 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.