EMI Loan ची गणना कशी करावी
EMI Loan म्हणजे काय?
EMI (Equated Monthly Installment) is the fixed monthly payment for a loan, comprising both principal and interest. Widely used in India and South Asia for home loans, car loans, and personal loans. The formula is identical to the standard loan payment calculation.
चरण-दर-चरण मार्गदर्शक
- 1EMI = P × r × (1+r)^n / ((1+r)^n − 1)
- 2P = Principal, r = monthly interest rate (annual rate/12), n = loan tenure in months
- 3Total payment = EMI × n; Total interest = Total payment − Principal
- 4Partial prepayment reduces either the EMI or the tenure
Worked Examples
इनपुट
₹50 lakh loan, 8.5% p.a., 20 years
परिणाम
₹43,391 EMI
Total interest: ₹54.1 lakh
इनपुट
₹10 lakh personal loan, 14%, 3 years
परिणाम
₹34,178 EMI
Total interest: ₹2.3 lakh
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