Loan / EMI Calculator

Calculate Your EMI

EMI calculator with Nepali bank interest rate presets for home, bike & education loans

Loan Details

Loan AmountRs 50,00,000

Rs 1 LakhRs 2 Crore

Interest Rate (% p.a.)12.5%

Loan Tenure20 years

1 Year30 Years

Your Monthly EMI

Rs 56,807

Total Interest

Rs 86,33,687

Total Payment

Rs 1,36,33,687

Principal vs Interest

37%

63%

Principal: Rs 50,00,000

Interest: Rs 86,33,687

What is Loan / EMI Calculator?

The Loan / EMI Calculator for Nepal helps you compute your Monthly Installment (EMI), total interest payable, and amortization schedule for home loans, auto/vehicle loans, education loans, and personal loans across Nepali banks.

How to Use Loan / EMI Calculator

Enter Loan Amount

Specify the total principal amount borrowed in NPR.

Set Interest Rate

Enter the annual interest rate (%) offered by your bank.

Select Loan Tenure

Choose the loan duration in years or months.

View Amortization Table

Examine monthly breakdown of principal vs interest payment.

Key Features

Preset interest rates for popular Nepali Commercial Banks & Financial Institutions

Detailed visual chart of total interest vs principal breakdown

Complete month-by-month repayment amortization table

Compare different loan durations to find an affordable monthly payment

100% free with instant recalculation

Tips & Best Practices

1
Increasing your monthly EMI slightly can dramatically reduce total interest paid over a long-term home loan.
2
Factor in bank processing fees (typically 0.5% - 1%) when budgeting total loan costs.
3
Review interest rate fluctuations for base-rate linked float loans in Nepal.

Why Use Our Online Loan / EMI Calculator?

Designed for speed, privacy, and precision. All operations occur seamlessly right inside your browser, ensuring your files and private data never touch remote servers. Enjoy lightning-fast processing with zero software installation required.

100% FreeNo subscriptions

Private & SecureLocal client processing

Instant ResultsNo waiting time

Mobile FriendlyWorks on all devices

Frequently Asked Questions

What does EMI stand for?

EMI stands for Equated Monthly Installment—the fixed amount paid to a lender every month until the loan is fully repaid.

How is EMI calculated?

EMI is calculated using the formula: P × r × (1 + r)^n / ((1 + r)^n - 1), where P is principal, r is monthly interest rate, and n is tenure in months.

Can I use this for home and bike loans in Nepal?

Yes! It works for all loan types including home loans, auto loans, personal loans, and business loans.

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