EMI calculator

Calculate your EMI, total interest and total payment for any loan in India — reducing-balance method, rounded to the paisa.

Loan amount (₹)

Interest rate (% p.a.)

Tenure (months)

20 yr

Monthly EMI₹22,092.77

Total interest₹28,02,263

Total payment₹53,02,263

Interest in the first EMI₹18,229

Reducing-balance method, rounded to the paisa. Your lender's figure may differ slightly.

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DeciLoan provides informational, analytical and planning assistance. It does not guarantee lender decisions, loan approvals, interest-rate reductions or financial outcomes. Please verify important decisions with your lender or a qualified professional.