EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 39,307
- Total interest
- Rs. 44.34 Lakh
- Total payment
- Rs. 94.34 Lakh
Principal and interest
Principal · Rs. 50 Lakh (53%)Interest (47%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 1.16 Lakh | Rs. 3.55 Lakh | Rs. 48.84 Lakh |
| 2 | Rs. 1.25 Lakh | Rs. 3.47 Lakh | Rs. 47.58 Lakh |
| 3 | Rs. 1.34 Lakh | Rs. 3.37 Lakh | Rs. 46.24 Lakh |
| 4 | Rs. 1.44 Lakh | Rs. 3.27 Lakh | Rs. 44.8 Lakh |
| 5 | Rs. 1.55 Lakh | Rs. 3.17 Lakh | Rs. 43.25 Lakh |
| 6 | Rs. 1.67 Lakh | Rs. 3.05 Lakh | Rs. 41.58 Lakh |
| 7 | Rs. 1.79 Lakh | Rs. 2.93 Lakh | Rs. 39.79 Lakh |
| 8 | Rs. 1.92 Lakh | Rs. 2.79 Lakh | Rs. 37.87 Lakh |
| 9 | Rs. 2.06 Lakh | Rs. 2.65 Lakh | Rs. 35.8 Lakh |
| 10 | Rs. 2.22 Lakh | Rs. 2.5 Lakh | Rs. 33.58 Lakh |
| 11 | Rs. 2.38 Lakh | Rs. 2.33 Lakh | Rs. 31.2 Lakh |
| 12 | Rs. 2.56 Lakh | Rs. 2.16 Lakh | Rs. 28.64 Lakh |
| 13 | Rs. 2.75 Lakh | Rs. 1.97 Lakh | Rs. 25.89 Lakh |
| 14 | Rs. 2.95 Lakh | Rs. 1.76 Lakh | Rs. 22.94 Lakh |
| 15 | Rs. 3.17 Lakh | Rs. 1.54 Lakh | Rs. 19.77 Lakh |
| 16 | Rs. 3.41 Lakh | Rs. 1.31 Lakh | Rs. 16.36 Lakh |
| 17 | Rs. 3.66 Lakh | Rs. 1.06 Lakh | Rs. 12.7 Lakh |
| 18 | Rs. 3.93 Lakh | Rs. 78,384 | Rs. 8.76 Lakh |
| 19 | Rs. 4.22 Lakh | Rs. 49,197 | Rs. 4.54 Lakh |
| 20 | Rs. 4.54 Lakh | Rs. 17,844 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.