Jab bhi tum koi loan lete ho — home loan, car loan, ya personal loan — bank tumse EMI (Equated Monthly Installment) ke form mein paisa wapas leta hai. EMI ek fixed amount hoti hai jo har mahine same rehti hai, chahe loan ke shuru mein ho ya end mein.
EMI ka Formula
EMI calculate karne ka formula hai:
EMI = P × r × (1+r)^n / ((1+r)^n − 1)
- P = Principal (loan amount jo liya hai)
- r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
- n = Total number of monthly installments (years × 12)
Example
Maan lo tumne ₹10,00,000 ka loan liya, 9% annual interest rate pe, 15 saal ke liye. Is formula se EMI approx ₹10,143 per month aayegi. Total 15 saal mein tum bank ko approx ₹18,25,000 wapas karoge — jisme se ₹8,25,000 sirf interest hoga.
EMI Kam Karne Ke Tips
- Higher down payment se principal kam hota hai, EMI bhi kam
- Tenure lamba karne se EMI kam hoti hai, lekin total interest zyada lagta hai
- Achha credit score se better interest rate milta hai
Apna khud ka EMI turant calculate karne ke liye hamara free EMI calculator use karo — bas amount, rate aur tenure daalo.