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A loan EMI calculator is a tool that helps you calculate your monthly instalments (EMIs) with just one click. It is really helpful and can be used easily by any individual who wants to know their Home Loan, car loan or personal loan EMIs in advance. To calculate your EMI, you need to enter the loan amount, interest rate, and the tenure of the loan.
Term Loan Interest:₹132,012.05 Interest per annum:12% Total Term Payment: ₹632,012.05 Term Loan Amortization Schedule (Monthly)EMI Calulator
Month No. EMI Principal Interest Cumulative Interest Pending Amount 1 ₹13,166.92 ₹8,166.92 1,200% ₹5,000 ₹491,833.08 2 ₹13,166.92 ₹8,248.59 1,200% ₹9,918.33 ₹483,584.5 3 ₹13,166.92 ₹8,331.07 1,200% ₹14,754.18 ₹475,253.42 4 ₹13,166.92 ₹8,414.38 1,200% ₹19,506.71 ₹466,839.04 5 ₹13,166.92 ₹8,498.53 1,200% ₹24,175.1 ₹458,340.51 6 ₹13,166.92 ₹8,583.51 1,200% ₹28,758.51 ₹449,757 7 ₹13,166.92 ₹8,669.35 1,200% ₹33,256.08 ₹441,087.65 8 ₹13,166.92 ₹8,756.04 1,200% ₹37,666.95 ₹432,331.61 9 ₹13,166.92 ₹8,843.6 1,200% ₹41,990.27 ₹423,488.01 10 ₹13,166.92 ₹8,932.04 1,200% ₹46,225.15 ₹414,555.97 11 ₹13,166.92 ₹9,021.36 1,200% ₹50,370.71 ₹405,534.61 12 ₹13,166.92 ₹9,111.57 1,200% ₹54,426.05 ₹396,423.04 13 ₹13,166.92 ₹9,202.69 1,200% ₹58,390.28 ₹387,220.35 14 ₹13,166.92 ₹9,294.71 1,200% ₹62,262.49 ₹377,925.64 15 ₹13,166.92 ₹9,387.66 1,200% ₹66,041.74 ₹368,537.98 16 ₹13,166.92 ₹9,481.54 1,200% ₹69,727.12 ₹359,056.44 17 ₹13,166.92 ₹9,576.35 1,200% ₹73,317.69 ₹349,480.09 18 ₹13,166.92 ₹9,672.12 1,200% ₹76,812.49 ₹339,807.97 19 ₹13,166.92 ₹9,768.84 1,200% ₹80,210.57 ₹330,039.13 20 ₹13,166.92 ₹9,866.53 1,200% ₹83,510.96 ₹320,172.61 21 ₹13,166.92 ₹9,965.19 1,200% ₹86,712.69 ₹310,207.41 22 ₹13,166.92 ₹10,064.84 1,200% ₹89,814.76 ₹300,142.57 23 ₹13,166.92 ₹10,165.49 1,200% ₹92,816.19 ₹289,977.08 24 ₹13,166.92 ₹10,267.15 1,200% ₹95,715.96 ₹279,709.93 25 ₹13,166.92 ₹10,369.82 1,200% ₹98,513.06 ₹269,340.11 26 ₹13,166.92 ₹10,473.52 1,200% ₹101,206.46 ₹258,866.6 27 ₹13,166.92 ₹10,578.25 1,200% ₹103,795.12 ₹248,288.35 28 ₹13,166.92 ₹10,684.03 1,200% ₹106,278.01 ₹237,604.31 29 ₹13,166.92 ₹10,790.87 1,200% ₹108,654.05 ₹226,813.44 30 ₹13,166.92 ₹10,898.78 1,200% ₹110,922.18 ₹215,914.65 31 ₹13,166.92 ₹11,007.77 1,200% ₹113,081.33 ₹204,906.88 32 ₹13,166.92 ₹11,117.85 1,200% ₹115,130.4 ₹193,789.03 33 ₹13,166.92 ₹11,229.03 1,200% ₹117,068.29 ₹182,560.01 34 ₹13,166.92 ₹11,341.32 1,200% ₹118,893.89 ₹171,218.69 35 ₹13,166.92 ₹11,454.73 1,200% ₹120,606.08 ₹159,763.96 36 ₹13,166.92 ₹11,569.28 1,200% ₹122,203.72 ₹148,194.68 37 ₹13,166.92 ₹11,684.97 1,200% ₹123,685.66 ₹136,509.71 38 ₹13,166.92 ₹11,801.82 1,200% ₹125,050.76 ₹124,707.89 39 ₹13,166.92 ₹11,919.84 1,200% ₹126,297.84 ₹112,788.05 40 ₹13,166.92 ₹12,039.04 1,200% ₹127,425.72 ₹100,749.01 41 ₹13,166.92 ₹12,159.43 1,200% ₹128,433.21 ₹88,589.58 42 ₹13,166.92 ₹12,281.02 1,200% ₹129,319.11 ₹76,308.56 43 ₹13,166.92 ₹12,403.83 1,200% ₹130,082.19 ₹63,904.73 44 ₹13,166.92 ₹12,527.87 1,200% ₹130,721.24 ₹51,376.86 45 ₹13,166.92 ₹12,653.15 1,200% ₹131,235.01 ₹38,723.71 46 ₹13,166.92 ₹12,779.68 1,200% ₹131,622.24 ₹25,944.03 47 ₹13,166.92 ₹12,907.48 1,200% ₹131,881.68 ₹13,036.55 48 ₹13,166.92 ₹13,036.55 1,200% ₹132,012.05 ₹0
Consider that you have borrowed some money from your friend, but you are not able to return the entire amount at one shot. You both then decide that you would pay back a part of the due amount every month over a period of time at a certain interest rate until you pay him back in full. This is nothing but Equated Monthly Installments (EMI). EMIs are a predetermined sum, a borrower pays to his lender over a period of time until his loan extinguishes. Here, the borrower could be you and the lender could be the Bank that has given you the loan.
An EMI Calculator is a handy tool that calculates the monthly amount payable to the lender according to the following mathematical formula; it has different variables present in it:
EMI = [P x R x (1+R)^N]/[(1+R)^N-1];
where, P, R, and N are the variables, which means the EMI value will change every time you change any of the three variables.
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There are different types of EMI Calculators depending on the loans you plan to take. These are:
Home loans is one of the most common bank loans taken every year. They usually tend to have a large principal and a longer tenure. This is why it is very important to make all your calculations well before you take a home loan. Our easy-to-use home loan emi calculator will let you know how much EMI you need to pay for the loan amount, so that you can have your finances in order before approaching the bank.
The comforts of the car can lead to a greater discomfort in your budget if you do not take calculative steps. Prior to buying your dream car, be sure to run the numbers through our Car Loan EMI Calculator. There are many schemes available in the Market for buying cars, which can be very tempting. However, it is important to remember that if you are unable to pay your car loan amount in full, your vehicle can be repossessed by the banks.
Personal loans have become rather common these days, whether you are thinking of going for a vacation, or renovating your house, etc. It has become simple to take personal loans from various banks. We can help you estimate your personal loan details regarding how much EMI you’ll have to pay to the banks, etc. It is quick and easy with our Personal Loan EMI Calculator
The cost of education appears to be on the rise every year, and if you are planning to send your child for a higher education, you may be in need of an education loan. Generally, these loans come with a moratorium period so that one can start paying off the loan only after the education is complete. You can use our Education Loan EMI Calculator to find out the EMI amount you will have to pay for this loan.
If you have any residential or commercial property, or Land registered under your name, you can use this as a Collateral to obtain a loan against property (LAP). These are secured loans, where you mortgage property as security. You can use our Loan Against Property EMI Calculator to understand how the EMI scheme works in this case.
An amortized loan is designed to allow the borrower to pay off the loan in full over a certain period of time, in equal monthly loans. Now, the EMI that you pay against the loan you have taken is composed of two parts:
As you keep paying your EMIs, the original principal amount keeps reducing. Over time, the interest on the loan amount decreases and the principal part of your EMI increases. At the end of the tenure, you would have paid off the principal amount in full. A loan amortization schedule keeps track of this EMI breakup, so you know exactly what portion of your EMI has been used for paying interest and what is used to reduce the principal. This schedule can be very helpful in understanding prepayment of loans and for refinancing, if required.
There are several factors that affect the EMI calculation. Since the EMI depends on the principal amount, tenure, and rate of interest, any change in these variables can cause a change in the EMI amount.
Loan interest rates can be fixed, floating, or hybrid. In case of a Fixed Interest Rate, the rate remains the same over the loan period. A Floating Interest Rate is linked to the MCLR (Marginal Cost of Funds Based Lending Rate) and can change multiple times over the loan period. This may change the EMI calculation for your loan. A loan with a hybrid interest rate has a fixed interest for a certain duration, after which the interest rate is decided by the MCLR. The EMI can change even for such loans.
If you change banks and carry over your loan to the new bank, the tenure of your loan may change in some cases. This will affect your EMI calculation. The EMI can decrease if the tenure increases and vice versa.
If you prepay your loan, the prepayment amount will be deducted from the original principal, effectively reducing your loan amount. If the tenure remains the same, the EMI can either decrease or stay the same. In the latter scenario, the portion of the EMI used for repaying the principal will increase, since the effective interest would be lesser than the original calculation.
Even before you apply for a loan, you need to know if you have the ability to obtain a loan. This can be done with the help of a EMI Calculator. Calculating your EMI will let you budget better in order to make the EMI payments on time.
The other benefits of the EMI Calculator include:
Accessibility: You can use the EMI Calculator anytime, anywhere and make your budget calculations
Accuracy: Using a EMI Calculator is more accurate than calculating the numbers yourself
financial planning: As stated above, EMI calculations need to be done even before you start your loan application. A EMI Calculator can help you with this
*Best funds based on 3 year performance.
"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Below is the key information for DSP World Gold Fund Returns up to 1 year are on To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. Research Highlights for Invesco India PSU Equity Fund Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (07 Aug 25) ₹34.0465 ↑ 0.59 (1.76 %) Net Assets (Cr) ₹1,202 on 30 Jun 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.35 Sharpe Ratio 1.8 Information Ratio -0.35 Alpha Ratio 1.97 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹8,272 31 Jul 22 ₹6,099 31 Jul 23 ₹7,748 31 Jul 24 ₹9,223 31 Jul 25 ₹13,652 Returns for DSP World Gold Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 7 Aug 25 Duration Returns 1 Month 11.1% 3 Month 17.9% 6 Month 37.7% 1 Year 73.5% 3 Year 35.4% 5 Year 8.2% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 15.9% 2023 7% 2022 -7.7% 2021 -9% 2020 31.4% 2019 35.1% 2018 -10.7% 2017 -4% 2016 52.7% 2015 -18.5% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.43 Yr. Data below for DSP World Gold Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Basic Materials 94.86% Asset Allocation
Asset Class Value Cash 2.29% Equity 95.12% Debt 0.02% Other 2.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -78% ₹935 Cr 1,610,898
↓ -37,716 VanEck Gold Miners ETF
- | GDX21% ₹255 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹14 Cr Net Receivables/Payables
CBLO | -0% -₹3 Cr 2. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (08 Aug 25) ₹61.19 ↓ -0.29 (-0.47 %) Net Assets (Cr) ₹1,439 on 30 Jun 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.39 Sharpe Ratio -0.23 Information Ratio -0.15 Alpha Ratio 0.81 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹14,085 31 Jul 22 ₹14,778 31 Jul 23 ₹20,815 31 Jul 24 ₹39,047 31 Jul 25 ₹34,468 Returns for Invesco India PSU Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 7 Aug 25 Duration Returns 1 Month -7.4% 3 Month 5.2% 6 Month 10.1% 1 Year -8.8% 3 Year 31.3% 5 Year 27.6% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.6% 2023 54.5% 2022 20.5% 2021 31.1% 2020 6.1% 2019 10.1% 2018 -16.9% 2017 24.3% 2016 17.9% 2015 2.5% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Hiten Jain 1 Jul 25 0.08 Yr. Sagar Gandhi 1 Jul 25 0.08 Yr. Data below for Invesco India PSU Equity Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Industrials 29.23% Utility 27.15% Financial Services 20.44% Energy 15.81% Basic Materials 4.05% Asset Allocation
Asset Class Value Cash 3.31% Equity 96.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL9% ₹134 Cr 3,178,489 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005478% ₹114 Cr 3,445,961 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹112 Cr 1,365,114 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL8% ₹110 Cr 226,465
↑ 12,941 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 5328988% ₹108 Cr 3,599,413 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325557% ₹103 Cr 3,085,790 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Nov 23 | HINDPETRO5% ₹69 Cr 1,564,169 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN4% ₹62 Cr 5,911,723 GAIL (India) Ltd (Utilities)
Equity, Since 28 Feb 23 | 5321554% ₹59 Cr 3,089,630 NHPC Ltd (Utilities)
Equity, Since 31 Oct 22 | NHPC4% ₹58 Cr 6,816,616
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Research Highlights for DSP World Gold Fund