Nexus Advisory · Loan Tools
EMI Calculator
Work out your monthly instalment on a home, vehicle, or business loan — and see how much of each year's payment goes to interest rather than to clearing the principal.
Loan amount
Rs.
Rs. 50 thousandRs. 5 crore
Interest rate (per annum)
%
0%25%
Loan tenure
1 year30 years
Monthly instalment
Rs.55,270
for 180 months
Principal
Rs. 50,00,000
Total interest
Rs. 44,48,600
Total amount repayable
Rs. 94,48,600
Where each year's money goes
Every bar is one year of payments, split between principal repaid and interest charged.
Principal repaid
Interest charged
Figures rounded
Need help acting on this number?
Our chartered accountants review sanction letters and structure borrowing so you don't overpay interest.
Figures are indicative and assume a fixed rate with equal monthly instalments. Banks may add service charges, insurance premiums, or a floating premium on the base rate, and may apply a different day-count convention — so your sanctioned EMI can differ.