₹5 lakh ka loan 10.5% rate par 5 saal ke liye lo to EMI ₹10,747/month banegi, kul ₹6,44,817 chukana hoga jisme ₹1,44,817 interest hoga. Koi bhi loan ho — home, personal, car ya business — amount, rate aur tenure badalo, hisaab turant badal jayega.
Loan EMI Calculator
EMI ka formula — ek baar samajh lo, hamesha kaam aayega
Har bank, har loan par ek hi formula lagta hai: EMI = P × r × (1+r)^n / ((1+r)^n − 1). P = loan amount, r = monthly interest rate (saal ka rate ÷ 1200), n = kul mahine. ₹5 lakh par 10.5% ke liye: r = 10.5/1200 = 0.00875, n = 60 — formula lagate hi EMI ₹10,747 nikalti hai. Upar ka calculator yahi hisaab har badlaav par turant dobara kar deta hai.
Pehli EMI ka bantwara bhi dekh lo: ₹10,747 me se ₹4,375 interest aur ₹6,372 principal. Har mahine principal ghat-ta hai, isliye interest ka hissa dheere-dheere sikudta jata hai — ise hi reducing balance kehte hain, aur yahi wajah hai ki tenure ke pehle bhaag me prepayment sabse zyada fayda deta hai.
Kaun se loan ke liye ye calculator?
| Loan type | Aam rate seema* | Aam tenure |
|---|---|---|
| Home loan | 8–10% | 10–30 saal |
| Personal loan | 10–18% | 1–7 saal |
| Car loan | 8.5–12% | 1–7 saal |
| Business loan | 11–20% | 1–10 saal |
| Loan against property | 9–13% | 5–20 saal |
*Ye seemaen sirf aam jaankari ke liye hain (November 2026 ke aas-paas ke bazaar ke hisaab se) — asli rate bank aur tumhare profile par depend karta hai. Bank-wise rates ke liye hamare Home Loan Interest Rates aur Personal Loan Interest Rates guide dekho.
EMI ghataane ke 3 pakke tareeke
- Rate kam karo: 1% kam rate ₹5 lakh jaise loan par bhi hazaron bachata hai — credit score sudharo, 2–3 offers compare karo.
- Principal kam karo: Down payment ya shuru me prepayment — principal kam = EMI kam aur interest bhi kam.
- Tenure samajh kar badhao: Tenure badhne se EMI kam hoti hai lekin kul interest badhta hai. EMI ghataana ho to pehle do tareeke aazmao; tenure wala button aakhri hathiyaar hai.
FAQs
EMI kaise calculate hoti hai?
Standard reducing-balance formula se: EMI = P × r × (1+r)^n / ((1+r)^n − 1), jahan r monthly rate aur n mahino ki sankhya hai. Calculator yahi formula lagata hai — amount, rate ya tenure badalte hi EMI turant badal jati hai.
Kya ye calculator saare loans ke liye chalta hai?
Haan — home, personal, car, business, education, LAP — jo bhi loan monthly reducing balance par chalta hai, uski EMI yahan nikal jayegi. Har loan type ke khaas calculators (eligibility, prepayment, balance transfer) ke liye sambandhit pages bhi dekho.
EMI aur interest me kya fark hai?
EMI wo fix rakam hai jo har mahine dete ho — usme ek hissa interest aur ek hissa principal hota hai. Kul interest woh extra rakam hai jo pure tenure me bank ko principal ke upar doge. Dono number calculator saath-saath dikhata hai.
Processing fee EMI me shaamil hoti hai kya?
Aam taur par nahi — processing fee alag se katti hai (ya loan rakam se kaat kar disburse hoti hai). Isliye do offers compare karte waqt fee ko kul interest ke saath jodkar dekho; sirf EMI dekhna aadha hisaab hai.
Aur bhi calculators try karein
EMIHisab par 53 free calculators hain — EMI, FD, PPF, NPS, Income Tax aur bhi bahut kuch.
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