EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 35,161
- Total interest
- Rs. 34.39 Lakh
- Total payment
- Rs. 84.39 Lakh
Principal and interest
Principal · Rs. 50 Lakh (59%)Interest (41%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.37 Lakh | Rs. 2.85 Lakh | Rs. 48.63 Lakh |
| 2 | Rs. 1.45 Lakh | Rs. 2.77 Lakh | Rs. 47.18 Lakh |
| 3 | Rs. 1.54 Lakh | Rs. 2.68 Lakh | Rs. 45.64 Lakh |
| 4 | Rs. 1.63 Lakh | Rs. 2.59 Lakh | Rs. 44.01 Lakh |
| 5 | Rs. 1.72 Lakh | Rs. 2.49 Lakh | Rs. 42.29 Lakh |
| 6 | Rs. 1.83 Lakh | Rs. 2.39 Lakh | Rs. 40.46 Lakh |
| 7 | Rs. 1.94 Lakh | Rs. 2.28 Lakh | Rs. 38.52 Lakh |
| 8 | Rs. 2.05 Lakh | Rs. 2.17 Lakh | Rs. 36.47 Lakh |
| 9 | Rs. 2.17 Lakh | Rs. 2.05 Lakh | Rs. 34.3 Lakh |
| 10 | Rs. 2.3 Lakh | Rs. 1.92 Lakh | Rs. 32 Lakh |
| 11 | Rs. 2.44 Lakh | Rs. 1.78 Lakh | Rs. 29.57 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.64 Lakh | Rs. 26.99 Lakh |
| 13 | Rs. 2.73 Lakh | Rs. 1.49 Lakh | Rs. 24.25 Lakh |
| 14 | Rs. 2.9 Lakh | Rs. 1.32 Lakh | Rs. 21.36 Lakh |
| 15 | Rs. 3.07 Lakh | Rs. 1.15 Lakh | Rs. 18.29 Lakh |
| 16 | Rs. 3.25 Lakh | Rs. 97,021 | Rs. 15.04 Lakh |
| 17 | Rs. 3.44 Lakh | Rs. 77,769 | Rs. 11.6 Lakh |
| 18 | Rs. 3.65 Lakh | Rs. 57,377 | Rs. 7.95 Lakh |
| 19 | Rs. 3.86 Lakh | Rs. 35,777 | Rs. 4.09 Lakh |
| 20 | Rs. 4.09 Lakh | Rs. 12,897 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.