EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 35,505
- Total interest
- Rs. 35.21 Lakh
- Total payment
- Rs. 85.21 Lakh
Principal and interest
Principal · Rs. 50 Lakh (59%)Interest (41%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.35 Lakh | Rs. 2.91 Lakh | Rs. 48.65 Lakh |
| 2 | Rs. 1.43 Lakh | Rs. 2.83 Lakh | Rs. 47.21 Lakh |
| 3 | Rs. 1.52 Lakh | Rs. 2.74 Lakh | Rs. 45.69 Lakh |
| 4 | Rs. 1.61 Lakh | Rs. 2.65 Lakh | Rs. 44.08 Lakh |
| 5 | Rs. 1.71 Lakh | Rs. 2.55 Lakh | Rs. 42.37 Lakh |
| 6 | Rs. 1.81 Lakh | Rs. 2.45 Lakh | Rs. 40.56 Lakh |
| 7 | Rs. 1.92 Lakh | Rs. 2.34 Lakh | Rs. 38.64 Lakh |
| 8 | Rs. 2.04 Lakh | Rs. 2.22 Lakh | Rs. 36.6 Lakh |
| 9 | Rs. 2.16 Lakh | Rs. 2.1 Lakh | Rs. 34.43 Lakh |
| 10 | Rs. 2.29 Lakh | Rs. 1.97 Lakh | Rs. 32.14 Lakh |
| 11 | Rs. 2.43 Lakh | Rs. 1.83 Lakh | Rs. 29.71 Lakh |
| 12 | Rs. 2.58 Lakh | Rs. 1.68 Lakh | Rs. 27.13 Lakh |
| 13 | Rs. 2.74 Lakh | Rs. 1.52 Lakh | Rs. 24.39 Lakh |
| 14 | Rs. 2.9 Lakh | Rs. 1.36 Lakh | Rs. 21.49 Lakh |
| 15 | Rs. 3.08 Lakh | Rs. 1.18 Lakh | Rs. 18.41 Lakh |
| 16 | Rs. 3.26 Lakh | Rs. 99,742 | Rs. 15.15 Lakh |
| 17 | Rs. 3.46 Lakh | Rs. 79,994 | Rs. 11.69 Lakh |
| 18 | Rs. 3.67 Lakh | Rs. 59,051 | Rs. 8.02 Lakh |
| 19 | Rs. 3.89 Lakh | Rs. 36,841 | Rs. 4.13 Lakh |
| 20 | Rs. 4.13 Lakh | Rs. 13,287 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.