EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 36,227
- Total interest
- Rs. 36.94 Lakh
- Total payment
- Rs. 86.94 Lakh
Principal and interest
Principal · Rs. 50 Lakh (58%)Interest (42%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.31 Lakh | Rs. 3.03 Lakh | Rs. 48.69 Lakh |
| 2 | Rs. 1.4 Lakh | Rs. 2.95 Lakh | Rs. 47.29 Lakh |
| 3 | Rs. 1.48 Lakh | Rs. 2.86 Lakh | Rs. 45.8 Lakh |
| 4 | Rs. 1.58 Lakh | Rs. 2.77 Lakh | Rs. 44.23 Lakh |
| 5 | Rs. 1.68 Lakh | Rs. 2.67 Lakh | Rs. 42.55 Lakh |
| 6 | Rs. 1.78 Lakh | Rs. 2.56 Lakh | Rs. 40.76 Lakh |
| 7 | Rs. 1.9 Lakh | Rs. 2.45 Lakh | Rs. 38.87 Lakh |
| 8 | Rs. 2.02 Lakh | Rs. 2.33 Lakh | Rs. 36.85 Lakh |
| 9 | Rs. 2.14 Lakh | Rs. 2.2 Lakh | Rs. 34.7 Lakh |
| 10 | Rs. 2.28 Lakh | Rs. 2.07 Lakh | Rs. 32.42 Lakh |
| 11 | Rs. 2.42 Lakh | Rs. 1.92 Lakh | Rs. 30 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.77 Lakh | Rs. 27.42 Lakh |
| 13 | Rs. 2.74 Lakh | Rs. 1.61 Lakh | Rs. 24.68 Lakh |
| 14 | Rs. 2.91 Lakh | Rs. 1.43 Lakh | Rs. 21.77 Lakh |
| 15 | Rs. 3.1 Lakh | Rs. 1.25 Lakh | Rs. 18.68 Lakh |
| 16 | Rs. 3.29 Lakh | Rs. 1.06 Lakh | Rs. 15.38 Lakh |
| 17 | Rs. 3.5 Lakh | Rs. 84,713 | Rs. 11.88 Lakh |
| 18 | Rs. 3.72 Lakh | Rs. 62,607 | Rs. 8.16 Lakh |
| 19 | Rs. 3.96 Lakh | Rs. 39,105 | Rs. 4.21 Lakh |
| 20 | Rs. 4.21 Lakh | Rs. 14,119 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.