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Free tools for smarter money choicesQUICK EMI ESTIMATE
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Estimated monthly EMI₹21,696
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In developmentMore calculators are being thoughtfully built. We’ll make it clear when each one is ready.
A BETTER WAY TO PLANClarity that puts
Clarity that puts
you in control.
Money decisions can feel complicated. We make the calculations simple, so you can focus on what matters to you.
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Every calculator is free to use, with no hidden costs.
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Understand principal, interest, and repayment at a glance.
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THREE STEPS TO CLARITYSimple as
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No spreadsheets, no guesswork. Just your details, a clear calculation, and the confidence to decide.
Get your EMI
See your monthly instalment, calculated instantly.
See the whole picture
Review total interest and your month-by-month schedule.
GOOD QUESTIONSA little more
A little more
peace of mind.
Here are a few things people often ask before they calculate.
What is an EMI?+
An equated monthly instalment (EMI) is the fixed payment you make each month toward a loan. It includes both principal repayment and interest.
How is my EMI calculated?+
EMI Sarthi uses the reducing balance method. Your monthly interest is calculated on the outstanding principal, so the interest portion falls as you repay.
Does a longer tenure reduce my EMI?+
Usually, yes. A longer tenure spreads repayment across more months, lowering each instalment while often increasing the total interest paid.
Can I use this calculator for prepayment planning?+
This calculator shows a standard repayment schedule. To calculate the impact of extra lump-sum or recurring payments and see how much interest and tenure you save, use our dedicated Loan Prepayment Calculator.
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