Compare EMI Calculations


Compare EMI calculations for 3 interest rates. See how EMI and total interest amount change for different interest rates and the same loan amount and tenure.
Useful when bank interest rates are changes for existing loans.


Loan Parameters
Loan Amount      ₹   
Loan Term       years
EMI Start Date
Interest Rates

Interest Rate 1 %
Interest Rate 2 %
Interest Rate 3 %




Rate - 10.00%

Loan Amount = ₹ 10,00,000
EMI = ₹ 9,650
Total Interest = ₹ 13,16,052
Total Payments = ₹ 23,16,052
Periods = 240 months
Last EMI Date = 3-November-2042
Check Amortization Table

Rate - 11.00%

Loan Amount = ₹ 10,00,000
EMI = ₹ 10,322
Total Interest = ₹ 14,77,252
Total Payments = ₹ 24,77,252
Periods = 240 months
Last EMI Date = 3-November-2042
Check Amortization Table

Rate - 12.00%

Loan Amount = ₹ 10,00,000
EMI = ₹ 11,011
Total Interest = ₹ 16,42,607
Total Payments = ₹ 26,42,607
Periods = 240 months
Last EMI Date = 3-November-2042
Check Amortization Table
EMI Difference
10.00% 11.00% 12.00%
₹ 9,650 ₹ 10,322 ₹ 11,011
Total Interest Difference
10.00% 11.00% 12.00%
₹ 13,16,052 ₹ 14,77,252 ₹ 16,42,607
Repayment Chart

Rate - 10.00%

Repayment Chart

Rate - 11.00%

Repayment Chart

Rate - 12.00%


EMI Calculator
Calculate EMI (Equated Monthly Installment) for a fixed rate loan spanned across years with annual and monthly amortization tables.
Loan Amount  ₹ 
Loan Term     years
Interest Rate %



Flat -vs- Reducing Balance Interest Rate
Check the EMI Calculations for Flat vs Reducing Balance Interest Rate
Loan Amount      ₹   
Loan Term       years
Flat Rate                   %
Reducing Balance Rate %


Flat Rate EMI Calculator
Calculate EMI for a flat rate loan with annual and monthly amortization tables
Loan Amt
Loan Term    years
Flat Rate   %


Convert Flat to Reducing Balance Interest Rate
This tool finds the effective interest rate for a flat rate interest loan.
Loan Amount      ₹   
Loan Term       years
Flat Interest Rate %
EMI Moratorium Calculations
Compare Calculations after EMI Moratorium. Use these calculations to get approximate picture of the impact of EMI Diferment.
Loan Amount  ₹ 
Loan Term     months
Interest Rate %
Moratorium Period months



Compare EMI Calculations
Compare EMI calculations for 2 interest rates. See how EMI and total interest amount change for different interest rates and the same loan amount and tenure. Useful when bank interest rates are changes for existing loans.
Loan Amount  ₹ 
Loan Term     years
Interest Rate 1 %
Interest Rate 2 %