EMI kaise nikale: monthly instalment, total interest aur schedule
Yeh sirf anumaan hai, financial advice nahi. Aap jo bharte hain, woh aapke device par hi rehta hai.Loan ki EMI nikalne ke liye teen cheezein chahiye: amount, interest rate aur tenure. Teeno set kijiye aur slider hilate hi har mahine ki kist saamne aa jaati hai, bagal me kul byaaj aur neeche saal dar saal ka schedule. Formula page par hi diya gaya hai, taki aankde par bharosa karne ke bajaye use jaancha ja sake. Yeh sirf anumaan hai, koi financial advice nahi.
Estimates for information only, not financial advice. Interest on the reducing balance, compounded monthly; fees and charges not included.
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| 1 | ₹49,756 | ₹2,10,591 | ₹24,50,244 |
| 2 | ₹54,153 | ₹2,06,194 | ₹23,96,091 |
| 3 | ₹58,941 | ₹2,01,407 | ₹23,37,150 |
| 4 | ₹64,150 | ₹1,96,197 | ₹22,73,000 |
| 5 | ₹69,820 | ₹1,90,525 | ₹22,03,180 |
| 6 | ₹75,992 | ₹1,84,353 | ₹21,27,188 |
| 7 | ₹82,709 | ₹1,77,639 | ₹20,44,479 |
| 8 | ₹90,020 | ₹1,70,328 | ₹19,54,459 |
| 9 | ₹97,977 | ₹1,62,368 | ₹18,56,482 |
| 10 | ₹1,06,636 | ₹1,53,710 | ₹17,49,846 |
| 11 | ₹1,16,063 | ₹1,44,286 | ₹16,33,783 |
| 12 | ₹1,26,321 | ₹1,34,027 | ₹15,07,462 |
| 13 | ₹1,37,488 | ₹1,22,859 | ₹13,69,974 |
| 14 | ₹1,49,639 | ₹1,10,708 | ₹12,20,335 |
| 15 | ₹1,62,867 | ₹97,480 | ₹10,57,468 |
| 16 | ₹1,77,262 | ₹83,085 | ₹8,80,206 |
| 17 | ₹1,92,931 | ₹67,417 | ₹6,87,275 |
| 18 | ₹2,09,984 | ₹50,364 | ₹4,77,291 |
| 19 | ₹2,28,545 | ₹31,802 | ₹2,48,746 |
| 20 | ₹2,48,746 | ₹11,602 | ₹0 |
Loan ki raqam, saalana interest rate aur tenure, teeno upar set kijiye.
Har mahine ki EMI aur kul kitna byaaj lagega, yeh saath me padh lijiye.
Neeche mahine dar mahine schedule dekhiye ki kis kist me kitna principal gaya.
EMI nikalne ke liye teen hi cheezein chahiye: loan ki raqam, saalana interest rate aur tenure. Inhi teen se yeh page har mahine ki tay kist nikaal deta hai, saath me poore loan par lagne wala kul byaaj, kul chukai jaane wali raqam, aur mahine dar mahine ka schedule jisme dikhta hai ki har kist me kitna byaaj gaya aur kitna mool dhan.
Sign karne se pehle. ₹25 lakh ka home loan 8.5% par 20 saal ke liye kareeb ₹21,700 mahina padta hai aur kareeb ₹27 lakh byaaj le jaata hai - to kya 15 saal ki tenure sambhal jayegi? Ya ₹8 lakh ka car loan 9.5% par 5 saal me kaisa padega aur 7 saal me kaisa. Prepayment on kar dijiye to dikh jaata hai ki saal me ek baar di gayi ekmusht raqam loan kitna chhota karti hai aur kitna byaaj bachati hai.
EMI reducing-balance formula se nikalti hai, wahi jo Indian lender istemaal karte hain, jisme saalana rate ko 12 se baanta jaata hai:
EMI = P × r × (1+r)^n / ((1+r)^n − 1), jahan P = loan ki raqam, r = saalana rate ÷ 12 ÷ 100, aur n = tenure mahino me.
Har mahine byaaj bachi hui baaki raqam par lagta hai, isliye shuruaati kistein lagbhag poori byaaj hoti hain aur baad wali zyadatar mool dhan.
Processing fees, insurance, floating rate ke reset aur prepayment charges isme shaamil nahi hain, isliye nikla hua aankda apne lender ke sanction letter se mila lijiye. Jo aap yahan likhte hain woh kahin nahi bheja jaata; poora hisaab aapke apne browser me chalta hai. Yeh sirf anumaan hai, jaankari ke liye, koi financial advice nahi.
Loan ki raqam, saalana interest rate aur tenure daal dijiye; har mahine ki kist saamne aa jayegi, saath me kul byaaj aur mahine dar mahine ka schedule. Formula hai EMI = P × r × (1+r)^n / ((1+r)^n − 1), reducing balance par. Processing fees, insurance aur prepayment charges isme nahi hain.
EMI = P × r × (1+r)^n / ((1+r)^n − 1), jahan P loan ki raqam hai, r saalana rate ko 12 aur 100 se bhaag dene par milta hai, aur n tenure mahino me hai. 0% par EMI seedhe raqam bataa mahine hoti hai. Schedule phir har mahine ka byaaj bachi hui raqam par lagata hai.
Har mahine ka byaaj sirf us mool dhan par lagta hai jo abhi bhi bakaya hai, shuru wali poori raqam par nahi. Har kist ke saath balance girta hai, isliye EMI me byaaj ka hissa ghatta jaata hai aur mool dhan ka hissa badhta jaata hai. RBI ke niyam ke mutabik Indian bank aur NBFC yahi tareeka apnaate hain.
Aam taur par bahut. Extra di gayi raqam poori ki poori mool dhan me jaati hai, isliye aage ke har mahine ka byaaj kam ho jaata hai aur loan jaldi band hota hai, jabki EMI utni hi rehti hai. Prepayment on karke dekhiye kitne mahine aur kitna byaaj bachta hai. Apne lender ke charges pooch lijiye.
Nahi. Result me sirf loan ki raqam aur byaaj hai. Processing fees, stamp duty, loan insurance, charges par lagne wala GST aur prepayment penalty alag se lagte hain, aur floating rate tenure ke beech badal bhi sakta hai. Theek theek aankde ke liye lender ka sanction letter hi dekhiye.
Nahi. Poora hisaab aapke apne browser me chalta hai aur jo raqam, rate ya tenure aap likhte hain woh kisi server par nahi bheja jaata. Share karne par jo link banta hai usme aapke daale hue aankde hote hain, isliye woh link sirf bharose ke logon ko hi bhejiye.
Kyunki byaaj bachi hui raqam par lagta hai aur shuru me bachi hui raqam sabse zyada hoti hai. Isliye pehle saal ki kiston me mool dhan ka hissa chhota rehta hai. Jaise jaise balance ghatta hai, wahi kist zyada mool dhan kaatne lagti hai - schedule me yeh badlav saaf dikh jaata hai.
Formula only: no rates or limits are read from an official source.
Jawab nahi mila? EMI Kaise Nikale ke baare mein poochein, jise pata hoga woh jawab dega. Account banane ki zaroorat nahi.
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