Emi Calculator
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CALCULATION OF REDUCING INTEREST RATE Please Put The Values :Principal Rs. Rate of Interest Annual Tenure (Year) Date of EMI of Loan
Calculated
650,000 12.00% 15.0 August-06
Total Interest Paid Total Amount Paid Annual Rate of interest Flat Nos. of EMI Calculated EMI
Date of Completion
Rounded up EMI
Aug-21
Principal & Interest Calculation Month Principal Interest Month Aug-06 650,000.00 6,500.00 Aug-07 Sep-06 648,699.00 6,486.99 Sep-07 Oct-06 647,384.99 6,473.85 Oct-07 Nov-06 646,057.84 6,460.58 Nov-07 Dec-06 644,717.42 6,447.17 Dec-07 Jan-07 643,363.59 6,433.64 Jan-08 Feb-07 641,996.23 6,419.96 Feb-08 Mar-07 640,615.19 6,406.15 Mar-08 Apr-07 639,220.34 6,392.20 Apr-08 May-07 637,811.55 6,378.12 May-08 Jun-07 636,388.66 6,363.89 Jun-08 Jul-07 634,951.55 6,349.52 Jul-08 15,048.45 77,112.06 Total End of 1st Year Year Month Aug-09 Sep-09 Oct-09 Nov-09 Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Total End of Year
Month Aug-12 Sep-12 Oct-12 Nov-12 Dec-12 Jan-13 Feb-13 Mar-13 Apr-13 May-13 Jun-13 Jul-13 Total End of Year
754,226.62 1,404,226.62 7.74%
Actual
754,180.00 1,404,180.00 7.74%
180 7,801.09
Difference 0.09
7,801
Principal Interest 633,500.06 6,335.00 632,034.06 6,320.34 630,553.40 6,305.53 629,057.94 6,290.58 627,547.52 6,275.48 626,021.99 6,260.22 624,481.21 6,244.81 622,925.03 6,229.25 621,353.28 6,213.53 619,765.81 6,197.66 618,162.47 6,181.62 616,543.09 6,165.43 18,408.46 75,019.46 2nd Year
Month Aug-08 Sep-08 Oct-08 Nov-08 Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09
Principal 614,907.52 613,255.60 611,587.15 609,902.02 608,200.05 606,481.05 604,744.86 602,991.30 601,220.22 599,431.42 597,624.73 595,799.98 20,743.11 3rd Year
Principal Interest Month 593,956.98 5,939.57 Aug-10 592,095.55 5,920.96 Sep-10 590,215.51 5,902.16 Oct-10 588,316.66 5,883.17 Nov-10 586,398.83 5,863.99 Dec-10 584,461.82 5,844.62 Jan-11 582,505.43 5,825.05 Feb-11 580,529.49 5,805.29 Mar-11 578,533.78 5,785.34 Apr-11 576,518.12 5,765.18 May-11 574,482.30 5,744.82 Jun-11 572,426.13 5,724.26 Jul-11 23,373.86 70,004.41 4th Year
Principal Interest 570,349.39 5,703.49 568,251.88 5,682.52 566,133.40 5,661.33 563,993.73 5,639.94 561,832.67 5,618.33 559,650.00 5,596.50 557,445.50 5,574.45 555,218.95 5,552.19 552,970.14 5,529.70 550,698.84 5,506.99 548,404.83 5,484.05 546,087.88 5,460.88 26,338.25 67,010.37 5th Year
Month Aug-11 Sep-11 Oct-11 Nov-11 Dec-11 Jan-12 Feb-12 Mar-12 Apr-12 May-12 Jun-12 Jul-12
Principal 543,747.76 541,384.24 538,997.08 536,586.05 534,150.91 531,691.42 529,207.33 526,698.41 524,164.39 521,605.04 519,020.09 516,409.29 29,678.59 6th Year
Principal Interest Month 513,772.38 5,137.72 Aug-13 511,109.10 5,111.09 Sep-13 508,419.19 5,084.19 Oct-13 505,702.39 5,057.02 Nov-13 502,958.41 5,029.58 Dec-13 500,186.99 5,001.87 Jan-14 497,387.86 4,973.88 Feb-14 494,560.74 4,945.61 Mar-14 491,705.35 4,917.05 Apr-14 488,821.40 4,888.21 May-14 485,908.62 4,859.09 Jun-14 482,966.70 4,829.67 Jul-14 33,442.58 59,834.99 7th Year
Principal Interest 479,995.37 4,799.95 476,994.32 4,769.94 473,963.27 4,739.63 470,901.90 4,709.02 467,809.92 4,678.10 464,687.02 4,646.87 461,532.89 4,615.33 458,347.22 4,583.47 455,129.69 4,551.30 451,879.99 4,518.80 448,597.79 4,485.98 445,282.76 4,452.83 37,683.94 55,551.22 8th Year
Month Aug-14 Sep-14 Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15
Principal 441,934.59 438,552.94 435,137.47 431,687.84 428,203.72 424,684.76 421,130.61 417,540.91 413,915.32 410,253.47 406,555.01 402,819.56 42,463.21 9th Year
Page 1 of 5
Prepaired By S. Dey
Month Aug-15 Sep-15 Oct-15 Nov-15 Dec-15 Jan-16 Feb-16 Mar-16 Apr-16 May-16 Jun-16 Jul-16 Total End of Year
Month Aug-18 Sep-18 Oct-18 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Total End of Year
Month Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Total End of Year
Month Aug-24 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Total End of Year
Principal Interest Month 399,046.75 3,990.47 Aug-16 395,236.22 3,952.36 Sep-16 391,387.58 3,913.88 Oct-16 387,500.46 3,875.00 Nov-16 383,574.46 3,835.74 Dec-16 379,609.21 3,796.09 Jan-17 375,604.30 3,756.04 Feb-17 371,559.34 3,715.59 Mar-17 367,473.94 3,674.74 Apr-17 363,347.68 3,633.48 May-17 359,180.15 3,591.80 Jun-17 354,970.96 3,549.71 Jul-17 47,848.60 45,284.91 10th Year
Principal Interest 350,719.67 3,507.20 346,425.86 3,464.26 342,089.12 3,420.89 337,709.01 3,377.09 333,285.10 3,332.85 328,816.95 3,288.17 324,304.12 3,243.04 319,746.16 3,197.46 315,142.62 3,151.43 310,493.05 3,104.93 305,796.98 3,057.97 301,053.95 3,010.54 53,917.00 39,155.83 11th Year
Month Aug-17 Sep-17 Oct-17 Nov-17 Dec-17 Jan-18 Feb-18 Mar-18 Apr-18 May-18 Jun-18 Jul-18
Principal 296,263.49 291,425.13 286,538.38 281,602.76 276,617.79 271,582.97 266,497.80 261,361.77 256,174.39 250,935.14 245,643.49 240,298.92 60,755.03 12thYear
Principal Interest Month 234,900.91 2,349.01 Aug-19 229,448.92 2,294.49 Sep-19 223,942.41 2,239.42 Oct-19 218,380.83 2,183.81 Nov-19 212,763.64 2,127.64 Dec-19 207,090.28 2,070.90 Jan-20 201,360.18 2,013.60 Feb-20 195,572.78 1,955.73 Mar-20 189,727.51 1,897.28 Apr-20 183,823.79 1,838.24 May-20 177,861.02 1,778.61 Jun-20 171,838.63 1,718.39 Jul-20 68,460.29 24,467.11 13th Year
Principal Interest 165,756.02 1,657.56 159,612.58 1,596.13 153,407.71 1,534.08 147,140.78 1,471.41 140,811.19 1,408.11 134,418.30 1,344.18 127,961.49 1,279.61 121,440.10 1,214.40 114,853.50 1,148.54 108,201.04 1,082.01 101,482.05 1,014.82 94,695.87 946.96 77,142.77 15,697.81 14th Year
Month Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21
Principal 87,841.83 80,919.24 73,927.44 66,865.71 59,733.37 52,529.70 45,254.00 37,905.54 30,483.60 22,987.43 15,416.31 7,769.47 86,926.40 15th Year
Principal Interest Month 46.16 0.46 Aug-22 0.00 0.00 Sep-22 0.00 0.00 Oct-22 0.00 0.00 Nov-22 0.00 0.00 Dec-22 0.00 0.00 Jan-23 0.00 0.00 Feb-23 0.00 0.00 Mar-23 0.00 0.00 Apr-23 0.00 0.00 May-23 0.00 0.00 Jun-23 0.00 0.00 Jul-23 7,769.47 0.46 16thYear
Principal Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 th 17 Year
Month Aug-23 Sep-23 Oct-23 Nov-23 Dec-23 Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24
Principal 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18th Year
Principal Interest Month 0.00 0.00 Aug-25 0.00 0.00 Sep-25 0.00 0.00 Oct-25 0.00 0.00 Nov-25 0.00 0.00 Dec-25 0.00 0.00 Jan-26 0.00 0.00 Feb-26 0.00 0.00 Mar-26 0.00 0.00 Apr-26 0.00 0.00 May-26 0.00 0.00 Jun-26 0.00 0.00 Jul-26 0.00 0.00 19th Year
Principal Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20th Year
Page 2 of 5
Prepaired By S. Dey
N OF REDUCING INTEREST RATE Difference
46.62 46.62
Interest 6,149.08 6,132.56 6,115.87 6,099.02 6,082.00 6,064.81 6,047.45 6,029.91 6,012.20 5,994.31 5,976.25 5,958.00 72,661.46 3rd Year Interest 5,437.48 5,413.84 5,389.97 5,365.86 5,341.51 5,316.91 5,292.07 5,266.98 5,241.64 5,216.05 5,190.20 5,164.09 63,636.62 6th Year Interest 4,419.35 4,385.53 4,351.37 4,316.88 4,282.04 4,246.85 4,211.31 4,175.41 4,139.15 4,102.53 4,065.55 4,028.20 50,724.16 9th Year
Page 3 of 5
Prepaired By S. Dey
Interest 2,962.63 2,914.25 2,865.38 2,816.03 2,766.18 2,715.83 2,664.98 2,613.62 2,561.74 2,509.35 2,456.43 2,402.99 32,249.42 12thYear Interest 878.42 809.19 739.27 668.66 597.33 525.30 452.54 379.06 304.84 229.87 154.16 77.69 5,816.34 15th Year Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 th 18 Year
Page 4 of 5
Prepaired By S. Dey
Rate of Interest 9339089395 Aniban Ghose
Calculated
650,000 12.00% 15.0 August-06
Total Interest Paid Total Amount Paid Annual Rate of interest Flat Nos. of EMI Calculated EMI
Date of Completion
Rounded up EMI
Aug-21
Principal & Interest Calculation Month Principal Interest Month Aug-06 650,000.00 6,500.00 Aug-07 Sep-06 648,699.00 6,486.99 Sep-07 Oct-06 647,384.99 6,473.85 Oct-07 Nov-06 646,057.84 6,460.58 Nov-07 Dec-06 644,717.42 6,447.17 Dec-07 Jan-07 643,363.59 6,433.64 Jan-08 Feb-07 641,996.23 6,419.96 Feb-08 Mar-07 640,615.19 6,406.15 Mar-08 Apr-07 639,220.34 6,392.20 Apr-08 May-07 637,811.55 6,378.12 May-08 Jun-07 636,388.66 6,363.89 Jun-08 Jul-07 634,951.55 6,349.52 Jul-08 15,048.45 77,112.06 Total End of 1st Year Year Month Aug-09 Sep-09 Oct-09 Nov-09 Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Total End of Year
Month Aug-12 Sep-12 Oct-12 Nov-12 Dec-12 Jan-13 Feb-13 Mar-13 Apr-13 May-13 Jun-13 Jul-13 Total End of Year
754,226.62 1,404,226.62 7.74%
Actual
754,180.00 1,404,180.00 7.74%
180 7,801.09
Difference 0.09
7,801
Principal Interest 633,500.06 6,335.00 632,034.06 6,320.34 630,553.40 6,305.53 629,057.94 6,290.58 627,547.52 6,275.48 626,021.99 6,260.22 624,481.21 6,244.81 622,925.03 6,229.25 621,353.28 6,213.53 619,765.81 6,197.66 618,162.47 6,181.62 616,543.09 6,165.43 18,408.46 75,019.46 2nd Year
Month Aug-08 Sep-08 Oct-08 Nov-08 Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09
Principal 614,907.52 613,255.60 611,587.15 609,902.02 608,200.05 606,481.05 604,744.86 602,991.30 601,220.22 599,431.42 597,624.73 595,799.98 20,743.11 3rd Year
Principal Interest Month 593,956.98 5,939.57 Aug-10 592,095.55 5,920.96 Sep-10 590,215.51 5,902.16 Oct-10 588,316.66 5,883.17 Nov-10 586,398.83 5,863.99 Dec-10 584,461.82 5,844.62 Jan-11 582,505.43 5,825.05 Feb-11 580,529.49 5,805.29 Mar-11 578,533.78 5,785.34 Apr-11 576,518.12 5,765.18 May-11 574,482.30 5,744.82 Jun-11 572,426.13 5,724.26 Jul-11 23,373.86 70,004.41 4th Year
Principal Interest 570,349.39 5,703.49 568,251.88 5,682.52 566,133.40 5,661.33 563,993.73 5,639.94 561,832.67 5,618.33 559,650.00 5,596.50 557,445.50 5,574.45 555,218.95 5,552.19 552,970.14 5,529.70 550,698.84 5,506.99 548,404.83 5,484.05 546,087.88 5,460.88 26,338.25 67,010.37 5th Year
Month Aug-11 Sep-11 Oct-11 Nov-11 Dec-11 Jan-12 Feb-12 Mar-12 Apr-12 May-12 Jun-12 Jul-12
Principal 543,747.76 541,384.24 538,997.08 536,586.05 534,150.91 531,691.42 529,207.33 526,698.41 524,164.39 521,605.04 519,020.09 516,409.29 29,678.59 6th Year
Principal Interest Month 513,772.38 5,137.72 Aug-13 511,109.10 5,111.09 Sep-13 508,419.19 5,084.19 Oct-13 505,702.39 5,057.02 Nov-13 502,958.41 5,029.58 Dec-13 500,186.99 5,001.87 Jan-14 497,387.86 4,973.88 Feb-14 494,560.74 4,945.61 Mar-14 491,705.35 4,917.05 Apr-14 488,821.40 4,888.21 May-14 485,908.62 4,859.09 Jun-14 482,966.70 4,829.67 Jul-14 33,442.58 59,834.99 7th Year
Principal Interest 479,995.37 4,799.95 476,994.32 4,769.94 473,963.27 4,739.63 470,901.90 4,709.02 467,809.92 4,678.10 464,687.02 4,646.87 461,532.89 4,615.33 458,347.22 4,583.47 455,129.69 4,551.30 451,879.99 4,518.80 448,597.79 4,485.98 445,282.76 4,452.83 37,683.94 55,551.22 8th Year
Month Aug-14 Sep-14 Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15
Principal 441,934.59 438,552.94 435,137.47 431,687.84 428,203.72 424,684.76 421,130.61 417,540.91 413,915.32 410,253.47 406,555.01 402,819.56 42,463.21 9th Year
Page 1 of 5
Prepaired By S. Dey
Month Aug-15 Sep-15 Oct-15 Nov-15 Dec-15 Jan-16 Feb-16 Mar-16 Apr-16 May-16 Jun-16 Jul-16 Total End of Year
Month Aug-18 Sep-18 Oct-18 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Total End of Year
Month Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Total End of Year
Month Aug-24 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Total End of Year
Principal Interest Month 399,046.75 3,990.47 Aug-16 395,236.22 3,952.36 Sep-16 391,387.58 3,913.88 Oct-16 387,500.46 3,875.00 Nov-16 383,574.46 3,835.74 Dec-16 379,609.21 3,796.09 Jan-17 375,604.30 3,756.04 Feb-17 371,559.34 3,715.59 Mar-17 367,473.94 3,674.74 Apr-17 363,347.68 3,633.48 May-17 359,180.15 3,591.80 Jun-17 354,970.96 3,549.71 Jul-17 47,848.60 45,284.91 10th Year
Principal Interest 350,719.67 3,507.20 346,425.86 3,464.26 342,089.12 3,420.89 337,709.01 3,377.09 333,285.10 3,332.85 328,816.95 3,288.17 324,304.12 3,243.04 319,746.16 3,197.46 315,142.62 3,151.43 310,493.05 3,104.93 305,796.98 3,057.97 301,053.95 3,010.54 53,917.00 39,155.83 11th Year
Month Aug-17 Sep-17 Oct-17 Nov-17 Dec-17 Jan-18 Feb-18 Mar-18 Apr-18 May-18 Jun-18 Jul-18
Principal 296,263.49 291,425.13 286,538.38 281,602.76 276,617.79 271,582.97 266,497.80 261,361.77 256,174.39 250,935.14 245,643.49 240,298.92 60,755.03 12thYear
Principal Interest Month 234,900.91 2,349.01 Aug-19 229,448.92 2,294.49 Sep-19 223,942.41 2,239.42 Oct-19 218,380.83 2,183.81 Nov-19 212,763.64 2,127.64 Dec-19 207,090.28 2,070.90 Jan-20 201,360.18 2,013.60 Feb-20 195,572.78 1,955.73 Mar-20 189,727.51 1,897.28 Apr-20 183,823.79 1,838.24 May-20 177,861.02 1,778.61 Jun-20 171,838.63 1,718.39 Jul-20 68,460.29 24,467.11 13th Year
Principal Interest 165,756.02 1,657.56 159,612.58 1,596.13 153,407.71 1,534.08 147,140.78 1,471.41 140,811.19 1,408.11 134,418.30 1,344.18 127,961.49 1,279.61 121,440.10 1,214.40 114,853.50 1,148.54 108,201.04 1,082.01 101,482.05 1,014.82 94,695.87 946.96 77,142.77 15,697.81 14th Year
Month Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21
Principal 87,841.83 80,919.24 73,927.44 66,865.71 59,733.37 52,529.70 45,254.00 37,905.54 30,483.60 22,987.43 15,416.31 7,769.47 86,926.40 15th Year
Principal Interest Month 46.16 0.46 Aug-22 0.00 0.00 Sep-22 0.00 0.00 Oct-22 0.00 0.00 Nov-22 0.00 0.00 Dec-22 0.00 0.00 Jan-23 0.00 0.00 Feb-23 0.00 0.00 Mar-23 0.00 0.00 Apr-23 0.00 0.00 May-23 0.00 0.00 Jun-23 0.00 0.00 Jul-23 7,769.47 0.46 16thYear
Principal Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 th 17 Year
Month Aug-23 Sep-23 Oct-23 Nov-23 Dec-23 Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24
Principal 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18th Year
Principal Interest Month 0.00 0.00 Aug-25 0.00 0.00 Sep-25 0.00 0.00 Oct-25 0.00 0.00 Nov-25 0.00 0.00 Dec-25 0.00 0.00 Jan-26 0.00 0.00 Feb-26 0.00 0.00 Mar-26 0.00 0.00 Apr-26 0.00 0.00 May-26 0.00 0.00 Jun-26 0.00 0.00 Jul-26 0.00 0.00 19th Year
Principal Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20th Year
Page 2 of 5
Prepaired By S. Dey
N OF REDUCING INTEREST RATE Difference
46.62 46.62
Interest 6,149.08 6,132.56 6,115.87 6,099.02 6,082.00 6,064.81 6,047.45 6,029.91 6,012.20 5,994.31 5,976.25 5,958.00 72,661.46 3rd Year Interest 5,437.48 5,413.84 5,389.97 5,365.86 5,341.51 5,316.91 5,292.07 5,266.98 5,241.64 5,216.05 5,190.20 5,164.09 63,636.62 6th Year Interest 4,419.35 4,385.53 4,351.37 4,316.88 4,282.04 4,246.85 4,211.31 4,175.41 4,139.15 4,102.53 4,065.55 4,028.20 50,724.16 9th Year
Page 3 of 5
Prepaired By S. Dey
Interest 2,962.63 2,914.25 2,865.38 2,816.03 2,766.18 2,715.83 2,664.98 2,613.62 2,561.74 2,509.35 2,456.43 2,402.99 32,249.42 12thYear Interest 878.42 809.19 739.27 668.66 597.33 525.30 452.54 379.06 304.84 229.87 154.16 77.69 5,816.34 15th Year Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 th 18 Year
Page 4 of 5
Prepaired By S. Dey
Rate of Interest 9339089395 Aniban Ghose
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