EMI Calculator kya hai?
EMI Calculator aapko batata hai ki kisi loan par har mahine kitni kist (EMI) bharni padegi. Aap loan amount, saalana byaaj dar aur loan ka samay (saal ya mahine) daalte ho, aur tool turant monthly EMI, kul byaaj aur kul bhugtan dikhata hai. Chart se pata chalta hai ki aapke paise ka kitna hissa asal (principal) me aur kitna byaaj me ja raha hai. Neeche saal-wise table me har saal kitna principal chukaya, kitna byaaj gaya aur kitna loan baaki hai, ye sab dikhta hai. Ye standard reducing-balance formula par chalta hai jo Indian banks use karte hain.
EMI Calculator kyun use karein?
- Home, car, bike, personal, education – har loan ke liye
- Slider aur box – dono se value badlo
- Principal vs byaaj ka chart
- Saal-wise amortization table
- Bank jaane se pehle budget plan
EMI Calculator kaise use karein?
- Loan amount daalo (₹ me)
- Saalana byaaj dar (%) daalo
- Loan ka samay saal ya mahine me chuno
- EMI, total byaaj aur total payment dekho
- Neeche saal-wise table dekho
Kuch zaroori baatein / Tips
- Tenure badhane se EMI kam hoti hai lekin kul byaaj kaafi badh jaata hai.
- Byaaj dar me 0.5% ka fark bhi lambe loan me lakhon ka fark la deta hai.
- Processing fee, insurance aur GST EMI ke alawa alag kharch hote hain.
- Bonus milne par part-prepayment karne se loan jaldi khatam hota hai.
EMI ka asli matlab aur byaaj ka hisaab
EMI yaani Equated Monthly Instalment – har mahine bharne wali barabar kist. Har EMI ke do hisse hote hain: byaaj aur principal (asal raqam). Shuru ke saalon me EMI ka bada hissa byaaj me jaata hai aur baad ke saalon me principal tezi se ghatta hai. Neeche ki saal-wise table me ye saaf dikhta hai.
Formula hai EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), jahan P loan amount, r mahine ki byaaj dar (saalana dar ÷ 12 ÷ 100) aur n kul mahine hain. Udaharan: ₹20 lakh ka home loan 8.5% par 20 saal ke liye lene par EMI lagbhag ₹17,356 aati hai, kul byaaj lagbhag ₹21.66 lakh aur kul bhugtan lagbhag ₹41.66 lakh.
Agar wahi loan 15 saal ka ho to EMI badh kar lagbhag ₹19,695 ho jaati hai, lekin kul byaaj kaafi kam ho jaata hai. Isliye sirf EMI kam dekh kar tenure lamba na karein – kul byaaj bhi zaroor dekhein. Bank ki processing fee, insurance aur GST alag se lagte hain.
| Udaharan | Result / Tarika |
|---|---|
| ₹20 lakh, 8.5%, 20 saal | EMI ≈ ₹17,356 |
| ₹6 lakh car loan, 9.5%, 5 saal | EMI ≈ ₹12,601 |
FAQ – Aksar Pooche Jaane Wale Sawal
EMI ka formula kya hai?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), jahan r = saalana dar ÷ 12 ÷ 100 aur n = mahine.
Kya ye result bank jaisa hi aayega?
Ye ek anumaan hai. Final EMI bank batayega kyunki fees, rounding aur date ka fark hota hai.
Floating rate me kya hota hai?
Dar badalne par EMI ya tenure badal jaata hai. Nayi dar daal kar dobara calculate karein.
20 lakh ke home loan par 8.5% par EMI kitni?
20 saal ke liye lagbhag ₹17,356 – upar values daal kar exact dekho.
Kya data save hota hai?
Nahi, sab calculation aapke browser me hoti hai.
