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EMI Calculator

Plan Your Loan.
Know Your EMI.

Estimate your monthly loan EMI, total interest, repayment amount and processing fee before you explore your financing options.

Calculate EMI → Check Eligibility
Example Estimated EMI
₹11,122
per month · illustrative calculation
Loan Amount ₹5,00,000
Interest Rate 12% p.a.
Tenure 5 Years
Total Interest ₹1,67,327
Calculate EMI

Estimate Your Monthly Loan EMI

Select your loan type and adjust the loan amount, interest rate and repayment tenure to calculate an illustrative EMI estimate.

Loan Details

Change the values below to understand how your estimated EMI and total repayment can vary.

₹
₹50,000 ₹50 Lakh
1 Year 30 Years
Estimated Monthly EMI
₹11,122
Estimated amount payable every month
Principal Amount ₹5,00,000
Total Interest ₹1,67,327
Total Repayment ₹6,67,327
Processing Fee ₹7,500
Repayment Breakdown 12% p.a.
Principal 75% Interest 25%

This calculator provides an illustrative estimate only. Actual interest rates, fees, eligibility, tenure, EMI and repayment terms may vary according to the applicable lender's policies and applicant profile.

Financial planning and EMI calculation
Understand Before You Borrow Use the calculator to estimate your repayment.
Understanding EMI

What Is an EMI?

EMI stands for Equated Monthly Instalment. It is the amount a borrower generally pays towards a loan every month over the agreed repayment period.

Your EMI is influenced by the loan amount, applicable interest rate and repayment tenure. Increasing the tenure may reduce the monthly EMI but can increase the overall interest payable.

Standard EMI Formula
EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1)
Explore Loan Options

Calculate EMI for Different Loan Types

Use the calculator to understand illustrative repayment estimates across different financing requirements.

PL

Personal Loan EMI

Estimate monthly repayment for personal financial requirements, planned expenses and other eligible needs.

HL

Home Loan EMI

Estimate the potential monthly repayment for home purchase, construction, renovation or eligible housing requirements.

BL

Business Loan EMI

Estimate repayment for eligible business financing requirements such as expansion, working capital and equipment.

LAP

Loan Against Property EMI

Estimate repayment for eligible financing secured against residential or commercial property.

CL

Car Loan EMI

Estimate monthly repayment when exploring financing for a new or eligible pre-owned vehicle.

EL

Education Loan EMI

Estimate repayment for eligible higher-education financing requirements in India or abroad.

EMI Calculator FAQs

Common Questions About EMI

Your EMI is primarily affected by the loan amount, applicable interest rate and repayment tenure. Applicable fees and other lender-specific charges may also affect your overall borrowing cost.
Generally, spreading repayment over a longer tenure can reduce the monthly EMI, while potentially increasing the total interest payable over the full loan period.
No. The result is an illustrative estimate. Actual EMI, interest rate, fees, tenure and repayment terms depend on the selected lender, applicant profile and applicable lending terms.
No. The EMI calculator only provides an illustrative repayment estimate. Eligibility is assessed separately based on factors such as income, credit profile, documentation, existing obligations and lender criteria.
Yes. Once you have an approximate repayment amount, you can use the Check Your Eligibility option to share your basic requirement and explore applicable financing options.
Take The Next Step

Know Your EMI. Explore Your Options.

Use your estimated EMI as a starting point and share your requirement with True Finserv to explore suitable financing options based on your profile.

Check Your Eligibility → Talk to True Finserv
Disclaimer: This calculator provides an illustrative estimate only. Loan approval, interest rates, tenure, fees, EMI and other terms are subject to the selected lender's eligibility criteria, policies and applicable terms. True Finserv is a financial services platform and not a lender.
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