EMI Calculator for Loans

Plan your instalments better using our loan EMI calculator.

About Loan EMI Calculator

The prerequisite to borrowing any type of loan, secured, or unsecured, is to find out the EMI payable and interest liabilities against it. An EMI calculator is the perfect tool to compute the required values. Available on lending institutions’ official portals and on third-party websites, such calculators derive equated monthly instalments by using just three sets of information.

How to calculate EMIs with an online EMI calculator?

Follow these steps to calculate EMI using an online EMI calculator:

  • Enter your preferred loan amount.
  • Input the interest rate offered.
  • Specify the loan tenure in months or years.

The calculator will compute your EMIs within a few seconds. The online EMI calculator also shows the break-up of the principal and interest amounts while calculating the EMI, and the total cost of borrowing.

Loan Calculators

Knowing the EMI due and interest obligations associated with any loan, secured or unsecured, is a must before borrowing. To calculate the necessary values, an EMI calculator is the ideal device. Such calculators, which are accessible on the official websites of lending institutions and on independent third-party websites, use just three sets of data to determine equal monthly instalments. Besides EMI and interest outgo, EMI calculators also estimate the amortisation schedule for a loan.

Different types of EMI calculator

  • Personal loan EMI calculator: It is intended to assist individuals in determining their monthly repayments for personal loans.
  • Home loan EMI calculator: It helps potential homeowners estimate their monthly mortgage payments.
  • Car loan EMI calculator: It performs a similar function but is tailored to car loans.
  • Business loan EMI calculator: It assists entrepreneurs and businesses in calculating monthly payments for business-related loans.
  • Doctor loan EMI calculator: It supports medical professionals in generating payback schedules for loans tailored to their specific needs.
  • Loan against securities EMI calculator: It assists customers in determining EMI payments for loans backed by financial assets. 

Benefits of using an online loan EMI calculator

Using an EMI calculator in India offers a range of substantial benefits:

  • Immediate and accurate results: The tool delivers precise EMI calculations instantly, sparing borrowers from cumbersome manual computations.
  • Transparent financial planning: It promotes transparency by providing a clear overview of monthly payments, allowing individuals to anticipate and plan their financial obligations accurately.
  • Facilitates informed decisions: By allowing easy comparison between various loan options, it empowers borrowers to make informed decisions, choosing terms and conditions that align with their financial capabilities.


ಕ್ಯಾಲ್ಕುಲೇಟರ್(ಗಳು) ಜನರೇಟ್ ಮಾಡಿದ ಫಲಿತಾಂಶಗಳು ಸೂಚಕವಾಗಿವೆ. ಲೋನ್ ಮೇಲೆ ಅಪ್ಲೈ ಮಾಡಲಾದ ಬಡ್ಡಿ ದರವು ಲೋನ್ ಬುಕಿಂಗ್ ಸಮಯದಲ್ಲಿ ಚಾಲ್ತಿಯಲ್ಲಿರುವ ದರಗಳ ಮೇಲೆ ಅವಲಂಬಿತವಾಗಿರುತ್ತದೆ.

ಕ್ಯಾಲ್ಕುಲೇಟರ್(ಗಳು) ಬಜಾಜ್ ಫೈನಾನ್ಸ್ ಲಿಮಿಟೆಡ್ ("ಬಿಎಫ್ಎಲ್") ಪ್ರಮಾಣೀಕರಿಸಿದ ಫಲಿತಾಂಶಗಳನ್ನು ಅಥವಾ ಯಾವುದೇ ಸಂದರ್ಭಗಳಲ್ಲಿ ಬಿಎಫ್ಎಲ್‌ನಿಂದ ಬಾಧ್ಯತೆ, ಭರವಸೆ, ವಾರಂಟಿ, ಅಂಡರ್ಟೇಕಿಂಗ್ ಅಥವಾ ಬದ್ಧತೆ, ಹಣಕಾಸು ಮತ್ತು ವೃತ್ತಿಪರ ಸಲಹೆಗಳನ್ನು ಒದಗಿಸುವ ಉದ್ದೇಶವನ್ನು ಹೊಂದಿಲ್ಲ. ಈ ಕ್ಯಾಲ್ಕುಲೇಟರ್(ಗಳು) ಬಳಕೆದಾರರು/ಗ್ರಾಹಕರ ಡೇಟಾ ಇನ್ಪುಟ್‌ ಪ್ರಕಾರ ಜನರೇಟ್ ಮಾಡಿದ ವಿವಿಧ ವಿವರಣಾತ್ಮಕ ಸನ್ನಿವೇಶಗಳ ಫಲಿತಾಂಶಗಳನ್ನು ಪಡೆಯಲು ಸಹಾಯ ಮಾಡುವ ಸಾಧನವಾಗಿದೆ ಅಷ್ಟೇ. ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಬಳಕೆಯು ಸಂಪೂರ್ಣವಾಗಿ ಬಳಕೆದಾರ/ಗ್ರಾಹಕರ ಹೊಣೆಯಾಗಿದ್ದು, ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಬಳಕೆಯಿಂದ ಉಂಟಾಗುವ ಯಾವುದೇ ಫಲಿತಾಂಶದಲ್ಲಿನ ಯಾವುದೇ ದೋಷಗಳಿಗೆ ಬಿಎಫ್ಎಲ್ ಯಾವುದೇ ಕಾರಣಕ್ಕೂ ಜವಾಬ್ದಾರವಲ್ಲ.

ಇನ್ನಷ್ಟು ಓದಿರಿ ಕಡಿಮೆ ಓದಿ

ಆಗಾಗ ಕೇಳುವ ಪ್ರಶ್ನೆಗಳು

ಇಎಂಐ ಎಂದರೇನು?

EMI stands for equated monthly instalments. It is the monthly amount that you will have to pay when opting for any type of loan. The entire loan amount, along with interest liabilities, is broken down into smaller monthly sums. Knowing the EMI due and interest obligations associated with any loan, secured or unsecured, is a must before borrowing. The tenure, principal, and interest rate charged are crucial parameters for EMI computation. To calculate the necessary values, a monthly EMI calculator is the ideal device. Besides EMI and interest outgo, EMI calculators also estimate the amortisation schedule for a loan.

How to calculate loan EMI?

The EMI calculation formula to calculate loan EMI is as follows:
ಇಎಂಐ = P x R x (1+R)^N / [(1+R)^N-1], ಇಲ್ಲಿ P ಅಸಲು, R ಎಂದರೆ ಬಡ್ಡಿ ದರ, ಮತ್ತು N ಎಂದರೆ ಕಾಲಾವಧಿ.

ಪಾವತಿಸಬೇಕಾದ ಇಎಂಐಗಳನ್ನು ಲೆಕ್ಕ ಹಾಕಲು ಅಸಲು, ಕಾಲಾವಧಿ ಮತ್ತು ಬಡ್ಡಿ ದರವನ್ನು ನಮೂದಿಸಿ ಮತ್ತು ಪಾವತಿಸಬೇಕಾದ ಒಟ್ಟು ಬಡ್ಡಿ ಮತ್ತು ವಿವರವಾದ ಅಮೊರ್ಟೈಸೇಶನ್ ಶೆಡ್ಯೂಲ್ ಪಡೆಯಿರಿ.

ಅಮೊರ್ಟೈಸೇಶನ್ ಶೆಡ್ಯೂಲ್ ಎಂದರೇನು?

ಅಮೊರ್ಟೈಸೇಶನ್ ಶೆಡ್ಯೂಲ್ ಎಂಬುದು ಲೋನ್‌ನ ಅಸಲು ಮತ್ತು ಬಡ್ಡಿಯನ್ನು ಪ್ರತಿ ತಿಂಗಳು ಲೋನ್‌ನ ಅವಧಿಯಲ್ಲಿ ಹೇಗೆ ವಿಭಜಿಸಲಾಗುತ್ತದೆ ಎಂಬುದನ್ನು ತೋರಿಸುವ ಟೇಬಲ್ ಅಥವಾ ಶೆಡ್ಯೂಲ್ ಆಗಿದೆ.

ನಿಮ್ಮ ಪರ್ಸನಲ್ ಲೋನ್ ಬಾಕಿ ಮೊತ್ತದ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುವ ಅಂಶಗಳು ಯಾವುವು?

The following factors influence your personal loan due amount:

  • Tenure of the loan - A loan’s tenure can be reduced or extended at the borrower's choice. When you choose a longer tenure, your EMIs will be lower and, vice versa.
  • Rate of interest – The interest rate is an important consideration when calculating your personal loan EMIs. A reduced interest rate can help in keeping the repayment low.
  • Loan amount – The amount of the loan is a major factor in determining your monthly EMIs. When you choose a larger loan amount, your EMIs will be higher, and conversely, EMIs will be low when you borrow a lower amount.
What happens if I fail to make an EMI payment?

Failing to make an EMI payment can result in incurring late fees, and a negative impact on your credit score. Utilising online EMI calculators or monthly EMI calculators prior to making a purchase can prevent this. They will help you plan repayments effectively, ensuring you make timely payments and maintain financial stability.

ರೂ. 5 ಲಕ್ಷದ ಲೋನಿಗೆ ಇಎಂಐ ಎಷ್ಟು?

The interest rate and loan tenure you choose will determine the EMI for a loan of Rs. 5 lakh. You can make use of our personal loan EMI calculator to find a monthly instalment and tenure that works for you. Simply enter your preferred loan amount, interest rate, and loan tenure to receive an estimated EMI calculation based on your selections.

How to calculate my EMI for 2 years?

The loan amount and interest rate you choose will determine the EMI for a period of two years. You can benefit from our online EMI calculator and obtain precise results. Simply input your desired loan amount, interest rate, and loan tenure into the monthly EMI calculator to obtain an estimated EMI based on your preferences.

Can I calculate EMI for all types of loans with the online EMI calculator?

Yes. you can compute your monthly EMIs for various types of loans using an online loan EMI calculator. Using an EMI calculator is simple. Use the slider to select the loan amount you wish to borrow, the repayment term and the loan interest rate quoted. Once you have selected these three inputs, your EMI will be displayed on the screen.

ಇನ್ನಷ್ಟು ತೋರಿಸಿ ಕಡಿಮೆ ತೋರಿಸಿ