EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 34,990
- Total interest
- Rs. 33.98 Lakh
- Total payment
- Rs. 83.98 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. 2.82 Lakh | Rs. 48.62 Lakh |
| 2 | Rs. 1.46 Lakh | Rs. 2.74 Lakh | Rs. 47.16 Lakh |
| 3 | Rs. 1.55 Lakh | Rs. 2.65 Lakh | Rs. 45.61 Lakh |
| 4 | Rs. 1.64 Lakh | Rs. 2.56 Lakh | Rs. 43.98 Lakh |
| 5 | Rs. 1.73 Lakh | Rs. 2.47 Lakh | Rs. 42.24 Lakh |
| 6 | Rs. 1.83 Lakh | Rs. 2.36 Lakh | Rs. 40.41 Lakh |
| 7 | Rs. 1.94 Lakh | Rs. 2.26 Lakh | Rs. 38.47 Lakh |
| 8 | Rs. 2.06 Lakh | Rs. 2.14 Lakh | Rs. 36.41 Lakh |
| 9 | Rs. 2.18 Lakh | Rs. 2.02 Lakh | Rs. 34.24 Lakh |
| 10 | Rs. 2.3 Lakh | Rs. 1.9 Lakh | Rs. 31.93 Lakh |
| 11 | Rs. 2.44 Lakh | Rs. 1.76 Lakh | Rs. 29.5 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.62 Lakh | Rs. 26.91 Lakh |
| 13 | Rs. 2.73 Lakh | Rs. 1.47 Lakh | Rs. 24.18 Lakh |
| 14 | Rs. 2.89 Lakh | Rs. 1.31 Lakh | Rs. 21.29 Lakh |
| 15 | Rs. 3.06 Lakh | Rs. 1.14 Lakh | Rs. 18.23 Lakh |
| 16 | Rs. 3.24 Lakh | Rs. 95,671 | Rs. 14.98 Lakh |
| 17 | Rs. 3.43 Lakh | Rs. 76,666 | Rs. 11.55 Lakh |
| 18 | Rs. 3.63 Lakh | Rs. 56,548 | Rs. 7.92 Lakh |
| 19 | Rs. 3.85 Lakh | Rs. 35,250 | Rs. 4.07 Lakh |
| 20 | Rs. 4.07 Lakh | Rs. 12,703 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.