EMI Calculator
Estimate your monthly EMI, total interest and total payment before you apply — adjust the loan amount, interest rate and tenure to see the numbers change live.
Loan Details
Results
Monthly EMI
₹10,747
Total Interest
₹1,44,820
Total Payment
₹6,44,820
How EMI Is Calculated
- 1
Your EMI is worked out from three numbers — the loan amount, the interest rate charged each year, and the number of years you take to repay. Move any one of them and the EMI recalculates instantly.
- 2
Every EMI is split between interest and principal. Early in the loan, a larger share goes toward interest; as months pass, more of each payment starts chipping away at the principal itself.
- 3
A longer tenure spreads the same loan over more months, so each EMI is smaller — but you end up paying more interest overall. A shorter tenure raises the EMI while lowering the total interest paid.
Like What You See?
Turn this estimate into a real offer. Apply for a Janmudra Personal Loan and get a quick, digital decision.
Apply for a Personal Loan