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EMI Calculator 2025

Home, Car, Personal & Education Loans – Instant Calculation

About Loan EMI

EMI = P × r × (1+r)^n / ((1+r)^n - 1) where P = principal, r = monthly rate, n = months.

Total Interest = Total Payment - Principal
Processing Fee = 0.5–1% of loan amount

Loan Types:

  • Home: 8.15–9.5% (20–30 yrs)
  • Car: 8.5–11% (3–7 yrs)
  • Personal: 10.5–16% (1–5 yrs)

Rates from SBI, HDFC, ICICI – Updated Oct 2025.