EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 36,169
- Total interest
- Rs. 36.8 Lakh
- Total payment
- Rs. 86.8 Lakh
Principal and interest
Principal · Rs. 50 Lakh (58%)Interest (42%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.32 Lakh | Rs. 3.02 Lakh | Rs. 48.68 Lakh |
| 2 | Rs. 1.4 Lakh | Rs. 2.94 Lakh | Rs. 47.28 Lakh |
| 3 | Rs. 1.49 Lakh | Rs. 2.85 Lakh | Rs. 45.8 Lakh |
| 4 | Rs. 1.58 Lakh | Rs. 2.76 Lakh | Rs. 44.21 Lakh |
| 5 | Rs. 1.68 Lakh | Rs. 2.66 Lakh | Rs. 42.53 Lakh |
| 6 | Rs. 1.79 Lakh | Rs. 2.55 Lakh | Rs. 40.75 Lakh |
| 7 | Rs. 1.9 Lakh | Rs. 2.44 Lakh | Rs. 38.85 Lakh |
| 8 | Rs. 2.02 Lakh | Rs. 2.32 Lakh | Rs. 36.83 Lakh |
| 9 | Rs. 2.15 Lakh | Rs. 2.19 Lakh | Rs. 34.68 Lakh |
| 10 | Rs. 2.28 Lakh | Rs. 2.06 Lakh | Rs. 32.4 Lakh |
| 11 | Rs. 2.42 Lakh | Rs. 1.92 Lakh | Rs. 29.98 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.76 Lakh | Rs. 27.4 Lakh |
| 13 | Rs. 2.74 Lakh | Rs. 1.6 Lakh | Rs. 24.66 Lakh |
| 14 | Rs. 2.91 Lakh | Rs. 1.43 Lakh | Rs. 21.75 Lakh |
| 15 | Rs. 3.1 Lakh | Rs. 1.25 Lakh | Rs. 18.65 Lakh |
| 16 | Rs. 3.29 Lakh | Rs. 1.05 Lakh | Rs. 15.36 Lakh |
| 17 | Rs. 3.5 Lakh | Rs. 84,331 | Rs. 11.87 Lakh |
| 18 | Rs. 3.72 Lakh | Rs. 62,319 | Rs. 8.15 Lakh |
| 19 | Rs. 3.95 Lakh | Rs. 38,922 | Rs. 4.2 Lakh |
| 20 | Rs. 4.2 Lakh | Rs. 14,052 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.