Loan amortization calculator complete repayment schedule generate करता है — हर EMI में कितना principal और कितना interest जाता है।
Loan Amortization Schedule Generate करें
Amount, rate, tenure → complete EMI breakdown।
Amortization क्या है?
शुरुआती EMIs में 70-80% interest होता है। बाद की EMIs में ज़्यादा principal।
| Year | Interest % | Principal % |
|---|---|---|
| Year 1 | 78% | 22% |
| Year 10 | 52% | 48% |
| Year 20 | 5% | 95% |
₹50L home loan, 8.5%, 20 years → Total interest: ₹54L — loan amount से ज़्यादा!
EMI Formula
EMI = [P × r × (1+r)^n] / [(1+r)^n - 1]
Monthly Interest = Outstanding × Monthly Rate
Principal = EMI - InterestPrepayments का Impact
| Scenario | Total Interest | Tenure | Savings |
|---|---|---|---|
| No prepayment | ₹54.1L | 20 yrs | — |
| ₹1L/year prepayment | ₹34.8L | 13.5 yrs | ₹19.3L + 6.5 yrs |
Year 1 में ₹1L prepayment Year 15 में ₹1L से ज़्यादा interest बचाता है।
How to Use the Tool (Step by Step)
- 1
Calculator खोलें
ToolsArena।
- 2
Loan details enter
Amount, rate, tenure fill।
- 3
Schedule देखें
Month-by-month principal vs interest।
Frequently Asked Questions
Home loan पर इतना interest क्यों?+−
Long tenure (20-30 years) + large principal = compound interest against you। ₹50L loan पर ₹54L interest।
Prepayment penalty?+−
Floating rate home loans: RBI mandate zero penalty। Fixed rate: 2-3% possible।
Loan Amortization Schedule Generate करें
Amount, rate, tenure → complete EMI breakdown।
Amortization Calculator खोलें →Related Guides
ईएमआई कैलकुलेटर गाइड
EMI formula, भारतीय बैंकों की interest rates, salary vs loan eligibility — 2026 की पूरी जानकारी।
EMI Prepayment Calculator Guide
Partial prepayments कैसे loan tenure और interest burden reduce करते हैं — Indian home, car और personal loans के examples के साथ।