Flat Rate EMI Calculator

For a loan tenure of 3 years with flat interest rate of 12.00% , the total interest amount is ₹36,000 .

Loan Parameters

Loan Amount ₹

Loan Term years

Flat Interest Rate %

Loan Amount : ₹ 100,000

Loan Term : 3 Years

Flat Interest Rate : 12.00%

Total Interest : ₹ 36,000

Total Repayment : ₹ 136,000

EMI : ₹ 3,778

Repayment Table

Year

Total Payment

Interest

Principal

₹ 45,333

₹ 12,000

₹ 33,333

July-2025	3,778	1,000	2,778
August-2025	3,778	1,000	2,778
September-2025	3,778	1,000	2,778
October-2025	3,778	1,000	2,778
November-2025	3,778	1,000	2,778
December-2025	3,778	1,000	2,778
January-2026	3,778	1,000	2,778
February-2026	3,778	1,000	2,778
March-2026	3,778	1,000	2,778
April-2026	3,778	1,000	2,778
May-2026	3,778	1,000	2,778
June-2026	3,778	1,000	2,778

₹ 45,333

₹ 12,000

₹ 33,333

July-2026	3,778	1,000	2,778
August-2026	3,778	1,000	2,778
September-2026	3,778	1,000	2,778
October-2026	3,778	1,000	2,778
November-2026	3,778	1,000	2,778
December-2026	3,778	1,000	2,778
January-2027	3,778	1,000	2,778
February-2027	3,778	1,000	2,778
March-2027	3,778	1,000	2,778
April-2027	3,778	1,000	2,778
May-2027	3,778	1,000	2,778
June-2027	3,778	1,000	2,778

₹ 45,333

₹ 12,000

₹ 33,333

July-2027	3,778	1,000	2,778
August-2027	3,778	1,000	2,778
September-2027	3,778	1,000	2,778
October-2027	3,778	1,000	2,778
November-2027	3,778	1,000	2,778
December-2027	3,778	1,000	2,778
January-2028	3,778	1,000	2,778
February-2028	3,778	1,000	2,778
March-2028	3,778	1,000	2,778
April-2028	3,778	1,000	2,778
May-2028	3,778	1,000	2,778
June-2028	3,778	1,000	2,778

Flat Rate EMI Calculator

Calculate EMI for a flat rate loan with annual and monthly amortization tables

Loan Amount ₹

Loan Term years

Flat Rate %

Reducing Balance EMI Calculator

Calculate EMI for loan with Reducing Balance Interest Rate method. Also check 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 %

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 %