Instantly calculate your monthly loan payments with our easy-to-use Loan EMI Calculator. Plan your finances in seconds!
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Loan EMI: ₹ 44,986
Total Interest Payable: ₹ 57,96,711
Total Payment (Principal + Interest): ₹ 1,07,96,711
Loan EMI: ₹ 17,341
Total Interest Payable: ₹ 1,24,274
Total Payment (Principal + Interest): ₹ 6,24,274
Loan EMI: ₹ 20,764
Total Interest Payable: ₹ 1,24,274
Total Payment (Principal + Interest): ₹ 12,24,274
Explore our range of calculators to help with various financial decisions:
EMI, or Equated Monthly Installment, is the amount a borrower pays each month to clear off their loan over a specified tenure. The amount includes both the principal and interest components, and it is generally fixed for the entire repayment period.
Where P is the principal loan amount, R is the interest rate per month, and N is the number of months in the loan tenure.
Each calculator—whether for home, personal, or car loans—works by allowing the user to input loan details like amount, tenure, and interest rate. Based on the inputs, the calculator provides the EMI, total interest payable, and total payment. The calculations are done using the standard EMI formula.
Using the EMI Calculator is simple. You just need to:
A home loan is a secured loan that you can use to purchase or construct a home. The loan is repaid over a fixed tenure, typically 10 to 30 years.
A personal loan is an unsecured loan that you can use for various personal needs, such as home renovation, travel, medical emergencies, etc. These loans usually have shorter repayment tenures, ranging from 1 to 5 years.
A car loan is a secured loan taken to purchase a vehicle. The car itself acts as collateral for the loan. The loan tenure for car loans typically ranges from 3 to 7 years.
The EMI calculator is tailored to different countries, adjusting for local currencies and interest rates. The default interest rates for various countries are as follows:
| Country | Home Loan Interest Rate | Personal Loan Interest Rate | Car Loan Interest Rate |
|---|---|---|---|
| United States | 3% - 15% | 8% - 25% | 5% - 15% |
| United Kingdom | 2.5% - 10% | 7.5% - 20% | 4.5% - 12% |
| India | 6.5% - 12% | 10% - 18% | 8.5% - 15% |
| Canada | 3% - 12% | 8.5% - 18% | 5.5% - 12% |
| Australia | 2.8% - 10% | 8.2% - 22% | 5% - 14% |
| Germany | 1.5% - 8% | 7% - 15% | 4% - 10% |
| France | 1.75% - 9% | 6.5% - 14% | 4.25% - 12% |
| Japan | 1% - 6% | 6% - 12% | 3.5% - 10% |
| Italy | 1.8% - 8% | 7.5% - 16% | 4% - 11% |
| Spain | 2% - 7% | 7% - 15% | 4.5% - 10% |
| South Korea | 2.5% - 9% | 6% - 14% | 4% - 11% |
| Brazil | 6% - 14% | 12% - 24% | 8% - 18% |
| Mexico | 7% - 15% | 13% - 22% | 8% - 16% |
| Russia | 8% - 16% | 14% - 25% | 9% - 20% |
| China | 4% - 12% | 9% - 18% | 6% - 14% |
| South Africa | 8% - 14% | 13% - 22% | 7% - 16% |
| Turkey | 10% - 18% | 15% - 28% | 11% - 20% |
| Saudi Arabia | 5% - 12% | 10% - 20% | 6% - 14% |
| UAE | 4% - 11% | 9% - 18% | 5% - 13% |
| Singapore | 1.5% - 4% | 4% - 10% | 3% - 7% |
| Hong Kong | 1% - 5% | 5% - 11% | 3.5% - 8% |
| Malaysia | 3% - 9% | 6% - 14% | 4% - 11% |
| Thailand | 4% - 10% | 8% - 16% | 5% - 12% |
| Philippines | 6% - 12% | 10% - 20% | 7% - 15% |
| Vietnam | 5% - 12% | 9% - 18% | 6% - 14% |
| Indonesia | 7% - 15% | 12% - 22% | 8% - 16% |
