EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 46,607
- Total interest
- Rs. 61.86 Lakh
- Total payment
- Rs. 1.12 Crore
Principal and interest
Principal · Rs. 50 Lakh (45%)Interest (55%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 88,047 | Rs. 4.71 Lakh | Rs. 49.12 Lakh |
| 2 | Rs. 96,785 | Rs. 4.62 Lakh | Rs. 48.15 Lakh |
| 3 | Rs. 1.06 Lakh | Rs. 4.53 Lakh | Rs. 47.09 Lakh |
| 4 | Rs. 1.17 Lakh | Rs. 4.42 Lakh | Rs. 45.92 Lakh |
| 5 | Rs. 1.29 Lakh | Rs. 4.31 Lakh | Rs. 44.63 Lakh |
| 6 | Rs. 1.41 Lakh | Rs. 4.18 Lakh | Rs. 43.22 Lakh |
| 7 | Rs. 1.55 Lakh | Rs. 4.04 Lakh | Rs. 41.67 Lakh |
| 8 | Rs. 1.71 Lakh | Rs. 3.89 Lakh | Rs. 39.96 Lakh |
| 9 | Rs. 1.88 Lakh | Rs. 3.72 Lakh | Rs. 38.08 Lakh |
| 10 | Rs. 2.06 Lakh | Rs. 3.53 Lakh | Rs. 36.02 Lakh |
| 11 | Rs. 2.27 Lakh | Rs. 3.32 Lakh | Rs. 33.75 Lakh |
| 12 | Rs. 2.49 Lakh | Rs. 3.1 Lakh | Rs. 31.26 Lakh |
| 13 | Rs. 2.74 Lakh | Rs. 2.85 Lakh | Rs. 28.52 Lakh |
| 14 | Rs. 3.01 Lakh | Rs. 2.58 Lakh | Rs. 25.5 Lakh |
| 15 | Rs. 3.31 Lakh | Rs. 2.28 Lakh | Rs. 22.19 Lakh |
| 16 | Rs. 3.64 Lakh | Rs. 1.95 Lakh | Rs. 18.55 Lakh |
| 17 | Rs. 4 Lakh | Rs. 1.59 Lakh | Rs. 14.55 Lakh |
| 18 | Rs. 4.4 Lakh | Rs. 1.19 Lakh | Rs. 10.15 Lakh |
| 19 | Rs. 4.84 Lakh | Rs. 75,737 | Rs. 5.32 Lakh |
| 20 | Rs. 5.32 Lakh | Rs. 27,747 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.