Calculation for EMI in reducing rate

E
P
r
n

2470.168 Monthly EMI

80000 Principal Amount
7 rate of interest per year
0.005833 rate of interest per month
36 months

Processing fee on loan (1%)

Pre payment fee on loan (1%)

800
0

Payment Summary
Monthly EMI
Loan Amount Paid
Total Interest Paid
Total Amount Paid
Pre-payment Summary
Monthly EMI
2471
Total Prepayment done
Total Interest Paid after pre-payment
Total Amount paid
You save

Month

Starting Balance
1
80000
2
77996
3
75980
4
73952
5
71912
6
69860
7
67797
8
65721
9
63633
10
61533
11
59421
12
57297
13
55160
14
53011
15
50849
16
48675
17
46488

Interest Paid
467
455
443
431
419
408
395
383
371
359
347
334
322
309
297
284
271

Principal Paid
2004
2016
2028
2040
2052
2063
2076
2088
2100
2112
2124
2137
2149
2162
2174
2187
2200

18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48

44288
42075
39849
37610
35358
33093
30815
28524
26219
23901
21569
19224
16865
14492
12106
9706
7292
4864
2421
-36
-2507
-4993
-7493
-10008
-12537
-15081
-17640
-20214
-22803
-25407
-28026

258
245
232
219
206
193
180
166
153
139
126
112
98
85
71
57
43
28
14
0
-15
-29
-44
-58
-73
-88
-103
-118
-133
-148
-163
8920

2213
2226
2239
2252
2265
2278
2291
2305
2318
2332
2345
2359
2373
2386
2400
2414
2428
2443
2457
2471
2486
2500
2515
2529
2544
2559
2574
2589
2604
2619
2634
80036

Comments
1 Whether monthly interest rate or annual interest rate

Flat rate

3.867403
9281.768

Ending Balance
77996
75980
73952
71912
69860
67797
65721
63633
61533
59421
57297
55160
53011
50849
48675
46488
44288

Prepayment
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

42075
39849
37610
35358
33093
30815
28524
26219
23901
21569
19224
16865
14492
12106
9706
7292
4864
2421
-36
-2507
-4993
-7493
-10008
-12537
-15081
-17640
-20214
-22803
-25407
-28026
-30660

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Monthly

EMI
Loan

3000 rent
1000 utility
600 transport
1000 Expense
500 misc
2000
1500
1740 Savings
9600
11340

Calculation for EMI in reducing rate

E
P
r
n

49047.7913 Monthly EMI

4500000 Principal Amount
10.25 rate of interest per year
0.00854167 rate of interest per month
180 months

Processing fee on loan (1%)

Pre payment fee on loan (1%)

45000
0

Payment Summary
Monthly EMI
Loan Amount Paid
Total Interest Paid
Total Amount Paid
Pre-payment Summary
Monthly EMI
49048
Total Prepayment done
Total Interest Paid after pre-payment
Total Amount paid
You save

Month

Starting Balance
1
4500000
2
4489390
3
4478689
4
4467896
5
4457011
6
4446033
7
4434962
8
4423796
9
4412535
10
4401177
11
4389722
12
4378170
13
4366519
14
4354768
15
4342917
16
4330965
17
4318911

Interest Paid
38438
38347
38255
38163
38070
37977
37882
37787
37690
37593
37496
37397
37297
37197
37096
36994
36891

Principal Paid
10610
10701
10793
10885
10978
11071
11166
11261
11358
11455
11552
11651
11751
11851
11952
12054
12157

18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62

4306754
4294493
4282127
4269656
4257078
4244393
4231599
4218696
4205683
4192559
4179322
4165972
4152508
4138929
4125234
4111422
4097492
4083443
4069274
4054984
4040572
4026037
4011378
3996594
3981684
3966646
3951480
3936184
3920758
3905200
3889509
3873684
3857724
3841627
3825393
3809020
3792507
3775853
3759057
3742118
3725034
3707804
3690427
3672901
3655226

36787
36682
36577
36470
36363
36254
36145
36035
35924
35811
35698
35584
35469
35353
35236
35118
34999
34879
34758
34636
34513
34389
34264
34138
34010
33882
33752
33622
33490
33357
33223
33088
32951
32814
32675
32535
32394
32252
32109
31964
31818
31671
31522
31373
31222

12261
12366
12471
12578
12685
12794
12903
13013
13124
13237
13350
13464
13579
13695
13812
13930
14049
14169
14290
14412
14535
14659
14784
14910
15038
15166
15296
15426
15558
15691
15825
15960
16097
16234
16373
16513
16654
16796
16939
17084
17230
17377
17526
17675
17826

63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107

3637400
3619421
3601289
3583002
3564559
3545958
3527198
3508278
3489197
3469953
3450544
3430969
3411227
3391317
3371236
3350984
3330559
3309960
3289185
3268232
3247100
3225788
3204294
3182616
3160753
3138703
3116465
3094037
3071417
3048604
3025596
3002392
2978989
2955387
2931583
2907576
2883364
2858945
2834317
2809479
2784429
2759165
2733685
2707987
2682070

31069
30916
30761
30605
30447
30288
30128
29967
29804
29639
29473
29306
29138
28967
28796
28623
28449
28273
28095
27916
27736
27554
27370
27185
26998
26810
26620
26428
26235
26040
25844
25645
25446
25244
25041
24836
24629
24420
24210
23998
23784
23568
23350
23131
22909

17979
18132
18287
18443
18601
18760
18920
19081
19244
19409
19575
19742
19910
20081
20252
20425
20599
20775
20953
21132
21312
21494
21678
21863
22050
22238
22428
22620
22813
23008
23204
23403
23602
23804
24007
24212
24419
24628
24838
25050
25264
25480
25698
25917
26139

108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152

2655931
2629569
2602982
2576168
2549125
2521851
2494344
2466602
2438623
2410405
2381946
2353244
2324297
2295102
2265658
2235962
2206013
2175808
2145345
2114622
2083636
2052386
2020869
1989083
1957025
1924693
1892085
1859199
1826032
1792581
1758845
1724820
1690505
1655897
1620993
1585791
1550288
1514482
1478370
1441950
1405219
1368174
1330812
1293131
1255128

22686
22461
22234
22005
21774
21541
21306
21069
20830
20589
20346
20101
19853
19604
19352
19099
18843
18585
18325
18062
17798
17531
17262
16990
16716
16440
16162
15881
15597
15312
15023
14733
14440
14144
13846
13545
13242
12936
12628
12317
12003
11686
11367
11045
10721

26362
26587
26814
27043
27274
27507
27742
27979
28218
28459
28702
28947
29195
29444
29696
29949
30205
30463
30723
30986
31250
31517
31786
32058
32332
32608
32886
33167
33451
33736
34025
34315
34608
34904
35202
35503
35806
36112
36420
36731
37045
37362
37681
38003
38327

153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180

1216801
1178147
1139162
1099844
1060191
1020199
979865
939187
898161
856785
815055
772969
730523
687715
644541
600998
557084
512794
468126
423077
377643
331821
285607
238999
191992
144584
96771
48550

10394
10063
9730
9395
9056
8714
8370
8022
7672
7318
6962
6602
6240
5874
5505
5134
4758
4380
3999
3614
3226
2834
2440
2041
1640
1235
827
415
4328557

38654
38985
39318
39653
39992
40334
40678
41026
41376
41730
42086
42446
42808
43174
43543
43914
44290
44668
45049
45434
45822
46214
46608
47007
47408
47813
48221
48633
4500083

Comments
1 Whether monthly interest rate or annual interest rate

Flat rate

5.662983
764502.8

Ending Balance
4489390
4478689
4467896
4457011
4446033
4434962
4423796
4412535
4401177
4389722
4378170
4366519
4354768
4342917
4330965
4318911
4306754

Prepayment
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

april
may
june
july
aug
sept
oct
nov
dec
jan
feb
mar
april
may
june
july
aug

2014
2014
2014
2014
2014
2014
2014
2014
2014
2015
2015
2015
2015
2015
2015
2015
2015

4294493
4282127
4269656
4257078
4244393
4231599
4218696
4205683
4192559
4179322
4165972
4152508
4138929
4125234
4111422
4097492
4083443
4069274
4054984
4040572
4026037
4011378
3996594
3981684
3966646
3951480
3936184
3920758
3905200
3889509
3873684
3857724
3841627
3825393
3809020
3792507
3775853
3759057
3742118
3725034
3707804
3690427
3672901
3655226
3637400

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

sept
oct
nov
dec
jan
feb
mar
april
may
june
july
aug
sept
oct
nov
dec
jan
feb
mar
april
may
june
july
aug
sept
oct
nov
dec
jan
feb
mar

2015
2015
2015
2015
2016
2016
2016
2016
2016
2016
2016
2016
2016
2016
2016
2016
2017
2017
2017
2017
2017
2017
2017
2017
2017
2017
2017
2017
2018

3619421
3601289
3583002
3564559
3545958
3527198
3508278
3489197
3469953
3450544
3430969
3411227
3391317
3371236
3350984
3330559
3309960
3289185
3268232
3247100
3225788
3204294
3182616
3160753
3138703
3116465
3094037
3071417
3048604
3025596
3002392
2978989
2955387
2931583
2907576
2883364
2858945
2834317
2809479
2784429
2759165
2733685
2707987
2682070
2655931

2629569
2602982
2576168
2549125
2521851
2494344
2466602
2438623
2410405
2381946
2353244
2324297
2295102
2265658
2235962
2206013
2175808
2145345
2114622
2083636
2052386
2020869
1989083
1957025
1924693
1892085
1859199
1826032
1792581
1758845
1724820
1690505
1655897
1620993
1585791
1550288
1514482
1478370
1441950
1405219
1368174
1330812
1293131
1255128
1216801

1178147
1139162
1099844
1060191
1020199
979865
939187
898161
856785
815055
772969
730523
687715
644541
600998
557084
512794
468126
423077
377643
331821
285607
238999
191992
144584
96771
48550
-83
0

48000