EMI Calculator
Calculate Indian loan EMIs in Lakhs/Crores with prepayment amortization.
Interactive Tool Workspace
Home Loan EMI Calculator
💡 Prepayment Planner
Calculation Results
Option A (Selected)
Monthly EMI: ₹ 43,391
Total Interest: ₹ 54.14 Lakhs
Total Payable: ₹ 1.04 Crores
Option B Comparative Loan
Monthly EMI: ₹ 44,986
Total Interest: ₹ 57.97 Lakhs
Total Payable: ₹ 1.08 Crores
📅 Year-by-Year Amortization Schedule
Apne principal balances aur saalana interest components ka structural breakdown dekhein.
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance |
|---|
Free Indian EMI Loan Calculator - Lakhs & Crores
Calculate your monthly home, car, or personal loan EMIs instantly offline. Tailored for the Indian market, this calculator supports numerical inputs in Lakhs and Crores, renders a dynamic Principal vs Interest donut chart, displays a full year-by-year amortization schedule, and offers side-by-side loan comparisons.
Save Millions of Rupees with Prepayment Planning
Our integrated Prepayment Planner calculates how making early principal prepayments affects your loan term. Enter any extra payments to see exactly how many months and how much total interest you will save over the lifetime of your loan.
Frequently Asked Questions (FAQs)
Unlike the western system of Millions/Billions, India uses Lakhs (₹1,00,000) and Crores (₹1,00,00,000). Our calculator formats all loan totals, principal breakdowns, and interests according to standard Indian comma separators.
Clicking "Compare with Another Loan" displays a side-by-side comparison. You can evaluate two options with different interest rates and principal values to choose the most cost-effective deal.
An amortization schedule lists the exact principal and interest components paid each year, alongside the remaining closing balance of your loan as it declines over time.
Yes, you can toggle the loan tenure between Years (up to 30) or Months (up to 360) to fit short-term personal loans or long-term home mortgages.