EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 38,137
- Total interest
- Rs. 41.53 Lakh
- Total payment
- Rs. 91.53 Lakh
Principal and interest
Principal · Rs. 50 Lakh (55%)Interest (45%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.22 Lakh | Rs. 3.36 Lakh | Rs. 48.78 Lakh |
| 2 | Rs. 1.3 Lakh | Rs. 3.27 Lakh | Rs. 47.48 Lakh |
| 3 | Rs. 1.4 Lakh | Rs. 3.18 Lakh | Rs. 46.08 Lakh |
| 4 | Rs. 1.49 Lakh | Rs. 3.08 Lakh | Rs. 44.59 Lakh |
| 5 | Rs. 1.6 Lakh | Rs. 2.98 Lakh | Rs. 42.99 Lakh |
| 6 | Rs. 1.71 Lakh | Rs. 2.87 Lakh | Rs. 41.28 Lakh |
| 7 | Rs. 1.83 Lakh | Rs. 2.75 Lakh | Rs. 39.45 Lakh |
| 8 | Rs. 1.96 Lakh | Rs. 2.62 Lakh | Rs. 37.49 Lakh |
| 9 | Rs. 2.1 Lakh | Rs. 2.48 Lakh | Rs. 35.4 Lakh |
| 10 | Rs. 2.24 Lakh | Rs. 2.33 Lakh | Rs. 33.15 Lakh |
| 11 | Rs. 2.4 Lakh | Rs. 2.18 Lakh | Rs. 30.76 Lakh |
| 12 | Rs. 2.57 Lakh | Rs. 2.01 Lakh | Rs. 28.19 Lakh |
| 13 | Rs. 2.75 Lakh | Rs. 1.83 Lakh | Rs. 25.44 Lakh |
| 14 | Rs. 2.94 Lakh | Rs. 1.64 Lakh | Rs. 22.5 Lakh |
| 15 | Rs. 3.15 Lakh | Rs. 1.43 Lakh | Rs. 19.36 Lakh |
| 16 | Rs. 3.37 Lakh | Rs. 1.21 Lakh | Rs. 15.99 Lakh |
| 17 | Rs. 3.6 Lakh | Rs. 97,509 | Rs. 12.39 Lakh |
| 18 | Rs. 3.85 Lakh | Rs. 72,280 | Rs. 8.54 Lakh |
| 19 | Rs. 4.12 Lakh | Rs. 45,284 | Rs. 4.41 Lakh |
| 20 | Rs. 4.41 Lakh | Rs. 16,397 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.