EMI Calculator 2026 - Loan EMI Calculator with Prepayment & Amortization

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EMI Calculator se aap kisi bhi loan ki monthly kisht, total interest aur total payment nikal sakte hain. 2026 me home loan 8.5% se start hai. Isme Prepayment ka option bhi hai - agar aap saal me ek baar extra paisa jama karte hain to kitna interest bachega. Amortization table se har mahine principal aur interest ka break-up dikhega.

EMI Calculator - Full Options

Loan Amount (₹) Interest Rate (% p.a.) Loan Tenure Yearly Prepayment (₹)

Formula: EMI = [P × R × (1+R)^N] / [(1+R)^N -1]
R = monthly rate, N = months

FAQ - EMI

Q: Prepayment se kitna fayda?

25 lakh ke loan pe 20 saal me agar saal ka 50k prepay karenge to ~6 lakh interest bachega aur loan 4 saal jaldi khatam hoga.

Q: Home loan pe tax benefit?

80C me principal 1.5 lakh aur 24(b) me interest 2 lakh tak deduction new regime me nahi, old regime me milta hai.

Q: EMI kam kaise karein?

Tenure badhane se EMI kam hogi par total interest zyada. Better hai thoda down payment zyada de dena.

Q: Floating vs Fixed?

2026 me floating 8.5-9.5% hai. Fixed 1-2% zyada hota hai. Long term ke liye floating behtar.

Q: Processing fee?

0.5% se 1% tak loan amount ka, GST extra.

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EMI Calculator 2026 - Loan EMI Calculator with Prepayment & Amortization

EMI Calculator - Full Options

FAQ - EMI

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