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Personal Loan EMI Calculator — వ్యక్తిగత రుణ EMI కెల్క్యులేటర్

Calculate your monthly EMI, total interest & total payment — మీ నెలవారీ EMI, మొత్తం వడ్డీ మరియు మొత్తం చెల్లింపును చూడండి.
Enter loan amount, interest rate & tenure. Optionally add extra monthly payment or a lump-sum prepayment to compare savings.

How to use — ఉపయోగించే విధానం:
  • Enter Loan Amount — రుణ మొత్తం నమోదు చేయండి (₹).
  • Enter Annual Interest Rate (%) and desired Tenure (years + months). — వార్షిక వడ్డీ% మరియు కాలపరిమితి నమోదు చేయండి.
  • Optional: add Extra Monthly Payment or a Lump-sum Prepayment (amount & month) to see reduced tenure & interest savings. — ఐచ్ఛికంగా ముందస్తు చెల్లింపు జోడించండి.
  • Click Calculate to view Baseline EMI and Prepayment scenarios. Use Export CSV or Copy Summary.
Note: This calculator gives an indicative schedule and savings. Final figures may vary slightly due to lender rounding, interest calculation method or processing charges. — బ్యాంక్ విధానాలు ప్రభావం చూపవచ్చు.
Baseline (No prepayment) — బేస్‌లైన్
Monthly EMI₹0
Total Interest₹0
Total Payment₹0
Tenure (months)0
Extra Monthly Scenario — అదనపు నెలవారీ
Monthly EMI (base)₹0
New Tenure (months)0
Total Interest Paid₹0
Interest Saved₹0
Lump-sum Scenario — ఒకేసారి చెల్లింపు
Lump Amount₹0
Prepay Month0
New Tenure (months)0
Interest Saved₹0
Tip: Small extra monthly payments reduce tenure and interest significantly. Compare scenarios before prepaying. — చిన్న అదనపు చెల్లింపులు కూడా పెద్ద ఆదా తెస్తాయి.

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