What is EMI?
EMI stands for Equated Monthly Instalment. It is the fixed amount a borrower pays every month to a lender until the loan is fully repaid. Each EMI consists of two components — the principal amount and the interest. In the initial stages of repayment, the interest portion is higher, while the principal component increases gradually with each instalment. EMIs allow borrowers to manage large expenses like home loans, car loans, or personal loans by breaking them into manageable monthly payments. Factors like loan amount, interest rate, and tenure determine your EMI. Using an EMI calculator can help you estimate your monthly outflow based on your specific needs and financial capacity.
Check your eligibility for a Bajaj Finserv Insta EMI Card today. You may already be eligible – find out by entering your mobile number and completing OTP verification.
What is an EMI Network Calculator?
An EMI Calculator helps you estimate your monthly instalments for any loan or purchase, based on the loan amount, interest rate, and tenure. It gives a clear picture of your repayment plan and helps in budgeting expenses better.
An EMI Network Calculator is designed specifically for purchases made using the Insta EMI Card. It enables you to calculate EMIs across a wide range of products and services available on easy No Cost EMIs. This tool ensures you make informed decisions while shopping on the Bajaj Finserv EMI Network.
Calculate EMI for your favourite products
Use the EMI Network Calculator to easily plan your purchases. Here’s how you can calculate your EMIs step by step:
- Select the product category – Choose from electronics, appliances, travel, education, and more.
- Enter the product price – Input the total cost of your desired item or service.
- Choose the tenure – Select a convenient repayment period
- View EMI breakdown – Instantly see your monthly instalment and total payable amount.
- Apply with insta emi card –Insta EMI Card – Use the Insta EMI Card for hassle-free easy EMI payments.
Calculate EMI for Mobiles, iPhones, Laptops & Home Appliances
Select your device, enter the price, and check affordable EMIs available with flexible tenure on the Bajaj Finserv EMI Network.
Calculate EMI for Flight Tickets & Travel Bookings
Plan holidays with ease—calculate EMIs on flights, hotels, and travel packages using the EMI Network Calculator.
Calculate EMI for Courses & Education Expenses
Manage education costs smartly by calculating EMIs on coaching classes, online courses, or skill development programs.
Home Loan EMI Calculator
Calculate your monthly repayments for housing loans with different tenures and interest rates to plan your dream home purchase smartly.
Car Loan EMI Calculator
Check your EMIs for new or used car loans and choose a tenure that fits your budget and driving needs.
Personal Loan EMI Calculator
Estimate your monthly outflow for personal loans to manage medical, wedding, or emergency expenses with ease.
Education Loan EMI Calculator
Plan your academic journey by calculating EMIs for student loans or professional courses with flexible repayment terms.
Loan against Property EMI Calculator
Use this to compute EMIs when borrowing against your property’s value for personal or business needs.
Benefits of Using Online EMI Calculator
An online EMI Calculator offers quick and accurate results, saving you time and effort. It helps you plan your finances better by providing clarity on monthly repayments, total interest, and loan tenure. You can compare different loan scenarios instantly and choose what suits your budget. Best of all, it’s free to use, available 24/7, and requires no personal details—making it a safe and efficient financial planning tool.
You may already be eligible – check now using your mobile number and OTP for verification.
Disclaimer
Results generated by the calculator(s) are indicative in nature. The interest rate applied on the loan will depend on the prevailing rates at the time of loan booking.
The calculator(s) are not intended to provide its users/ customers with results that are either certified by Bajaj Finance Limited (“BFL”) or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by BFL, under any circumstances. The calculator(s) is only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer. The use of the calculator is entirely at the risk of the user/ customer, BFL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator.
Frequently asked questions
Use the Bajaj Finserv EMI Network Calculator by entering the product price and your preferred EMI scheme; the tool instantly displays your down payment and monthly instalments.
A scheme type combines your down payment (sometimes as a number of EMIs) and the chosen number of monthly instalments (EMIs) for repayment—for example, 12x4 means paying 4 EMIs upfront, then the rest over 8 months.
Yes, zero down payment is available on select products. If your chosen product qualifies, you can select a scheme like 8x0, where you pay nothing upfront and the total cost divides into easy EMIs.
You can lower your EMI by selecting a longer repayment tenure. Spreading the payments over more months reduces each monthly instalment amount.
Yes, a high debt-to-income ratio can impact eligibility, as it reflects your ongoing financial obligations and repayment capacity, influencing approval chances for the Insta EMI Card.
Each EMI includes a portion of the principal loan amount and the interest charged on it, divided equally over the selected repayment tenure.
The maximum tenure for EMI using the Insta EMI Card can go up to 24 months, depending on the product and offer terms.
Monthly EMIs may include the product cost, processing fee (if applicable), and interest component, if not under a Easy EMI plan.
Each EMI includes a portion of the principal amount and the interest charged, divided equally over your chosen repayment tenure. Processing fees may also apply.
With the Insta EMI Card, the maximum EMI tenure can go up to 24 months, depending on the specific product and offer terms.
Your EMI includes the product price, any processing fee, and interest if applicable. Additional charges like late payment or bounce fees may apply in specific scenarios.
