EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 32,750
- Total interest
- Rs. 28.6 Lakh
- Total payment
- Rs. 78.6 Lakh
Principal and interest
Principal · Rs. 50 Lakh (64%)Interest (36%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.51 Lakh | Rs. 2.42 Lakh | Rs. 48.49 Lakh |
| 2 | Rs. 1.58 Lakh | Rs. 2.35 Lakh | Rs. 46.91 Lakh |
| 3 | Rs. 1.66 Lakh | Rs. 2.27 Lakh | Rs. 45.24 Lakh |
| 4 | Rs. 1.75 Lakh | Rs. 2.18 Lakh | Rs. 43.5 Lakh |
| 5 | Rs. 1.84 Lakh | Rs. 2.09 Lakh | Rs. 41.66 Lakh |
| 6 | Rs. 1.93 Lakh | Rs. 2 Lakh | Rs. 39.73 Lakh |
| 7 | Rs. 2.02 Lakh | Rs. 1.91 Lakh | Rs. 37.71 Lakh |
| 8 | Rs. 2.13 Lakh | Rs. 1.8 Lakh | Rs. 35.58 Lakh |
| 9 | Rs. 2.23 Lakh | Rs. 1.7 Lakh | Rs. 33.35 Lakh |
| 10 | Rs. 2.34 Lakh | Rs. 1.59 Lakh | Rs. 31.01 Lakh |
| 11 | Rs. 2.46 Lakh | Rs. 1.47 Lakh | Rs. 28.54 Lakh |
| 12 | Rs. 2.59 Lakh | Rs. 1.34 Lakh | Rs. 25.96 Lakh |
| 13 | Rs. 2.72 Lakh | Rs. 1.21 Lakh | Rs. 23.24 Lakh |
| 14 | Rs. 2.85 Lakh | Rs. 1.08 Lakh | Rs. 20.39 Lakh |
| 15 | Rs. 3 Lakh | Rs. 93,423 | Rs. 17.39 Lakh |
| 16 | Rs. 3.15 Lakh | Rs. 78,378 | Rs. 14.25 Lakh |
| 17 | Rs. 3.3 Lakh | Rs. 62,578 | Rs. 10.94 Lakh |
| 18 | Rs. 3.47 Lakh | Rs. 45,985 | Rs. 7.47 Lakh |
| 19 | Rs. 3.64 Lakh | Rs. 28,558 | Rs. 3.83 Lakh |
| 20 | Rs. 3.83 Lakh | Rs. 10,256 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.