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The equated monthly instalment uses the standard reducing-balance formula: EMI = P·r·(1+r)^n / ((1+r)^n − 1), where P is principal, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the tenure in months. Early instalments are mostly interest; principal repayment grows as the balance falls.
Processing fees, GST on those fees, insurance bundled into the loan, and floating-rate resets are not modelled. On a floating loan the bank usually holds the EMI steady and changes the tenure when the rate moves, so your real schedule can drift from a fixed-rate estimate.
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Monthly EMI, total interest, and total payment from principal, rate, and tenure.
Monthly EMI, total interest, and total payment from principal, rate, and tenure.
Monthly EMI, total interest, and total payment from principal, rate, and tenure.
Future value of a monthly SIP at an assumed annual return.
Grow a one-time investment at an annual return.
