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Flexi Hybrid Term Loan EMI Calculator

Adjust the amount, interest rate and tenure to see your monthly EMI — plus the full year-by-year principal and interest breakdown. You can switch loan types below.

₹
%
months

Initial EMI (12 mo)

₹8,333

Interest-only

Subsequent EMI (48 mo)

₹25,363

Principal + interest

Total interest

₹3,17,404

Total repayment

₹13,17,404

Indicative only — your actual EMI and initial/subsequent split depend on the lender's exact terms at sanction.

Compare all lenders at this amount & tenure

Each row uses that lender's own rate and initial tenure, for the ₹10,00,000 amount and 60-month total tenure entered above.

Lender Rate Initial EMI Subsequent EMI Total interest Select
Bajaj Finance 10.50% ₹8,750 ₹25,603 ₹3,33,962
Tata Capital 10.75% ₹8,958 ₹24,513 ₹3,30,793
Piramal Finance 11.25% ₹9,375 ₹23,685 ₹3,35,224
Kotak Mahindra Bank 10.00% ₹8,333 ₹25,363 ₹3,17,404

Flexi Hybrid vs a conventional loan

Same ₹10,00,000 amount, 10% rate and 60-month tenure — a conventional loan charges one flat EMI throughout; Flexi Hybrid starts lower, then rises.

Conventional EMI
₹21,247/mo
Flexi Hybrid — initial
₹8,333/mo
Flexi Hybrid — subsequent
₹25,363/mo

Total interest — conventional

₹2,74,823

Total interest — Flexi Hybrid

₹3,17,404

Flexi Hybrid keeps your outflow lower for the first 12 months, then it rises above a conventional EMI for the rest of the tenure. Because less principal is repaid early on, total interest over the full tenure is higher than a conventional loan of the same amount, rate and tenure — the trade-off for lower initial outflow.

Full breakdown, starting this month

Assumes your first payment falls this month — click a period to see every month within it. The initial (interest-only) period is marked separately from the subsequent (principal + interest) period.

Sep 2026 – Aug 2027 StageInitial Principal paid₹0 Interest paid₹1,00,000 Total paid₹1,00,000
Month Stage Principal paid Interest paid Total paid Balance remaining
Sep 2026 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Oct 2026 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Nov 2026 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Dec 2026 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Jan 2027 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Feb 2027 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Mar 2027 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Apr 2027 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
May 2027 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Jun 2027 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Jul 2027 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Aug 2027 Initial ₹0 ₹8,333 ₹8,333 ₹10,00,000
Sep 2027 – Aug 2028 StageSubsequent Principal paid₹2,13,982 Interest paid₹90,369 Total paid₹3,04,351
Month Stage Principal paid Interest paid Total paid Balance remaining
Sep 2027 Subsequent ₹17,029 ₹8,333 ₹25,363 ₹9,82,971
Oct 2027 Subsequent ₹17,171 ₹8,191 ₹25,363 ₹9,65,800
Nov 2027 Subsequent ₹17,314 ₹8,048 ₹25,363 ₹9,48,485
Dec 2027 Subsequent ₹17,459 ₹7,904 ₹25,363 ₹9,31,027
Jan 2028 Subsequent ₹17,604 ₹7,759 ₹25,363 ₹9,13,423
Feb 2028 Subsequent ₹17,751 ₹7,612 ₹25,363 ₹8,95,672
Mar 2028 Subsequent ₹17,899 ₹7,464 ₹25,363 ₹8,77,773
Apr 2028 Subsequent ₹18,048 ₹7,315 ₹25,363 ₹8,59,726
May 2028 Subsequent ₹18,198 ₹7,164 ₹25,363 ₹8,41,527
Jun 2028 Subsequent ₹18,350 ₹7,013 ₹25,363 ₹8,23,178
Jul 2028 Subsequent ₹18,503 ₹6,860 ₹25,363 ₹8,04,675
Aug 2028 Subsequent ₹18,657 ₹6,706 ₹25,363 ₹7,86,018
Sep 2028 – Aug 2029 StageSubsequent Principal paid₹2,36,389 Interest paid₹67,962 Total paid₹3,04,351
Month Stage Principal paid Interest paid Total paid Balance remaining
Sep 2028 Subsequent ₹18,812 ₹6,550 ₹25,363 ₹7,67,205
Oct 2028 Subsequent ₹18,969 ₹6,393 ₹25,363 ₹7,48,236
Nov 2028 Subsequent ₹19,127 ₹6,235 ₹25,363 ₹7,29,109
Dec 2028 Subsequent ₹19,287 ₹6,076 ₹25,363 ₹7,09,822
Jan 2029 Subsequent ₹19,447 ₹5,915 ₹25,363 ₹6,90,375
Feb 2029 Subsequent ₹19,609 ₹5,753 ₹25,363 ₹6,70,765
Mar 2029 Subsequent ₹19,773 ₹5,590 ₹25,363 ₹6,50,993
Apr 2029 Subsequent ₹19,938 ₹5,425 ₹25,363 ₹6,31,055
May 2029 Subsequent ₹20,104 ₹5,259 ₹25,363 ₹6,10,951
Jun 2029 Subsequent ₹20,271 ₹5,091 ₹25,363 ₹5,90,680
Jul 2029 Subsequent ₹20,440 ₹4,922 ₹25,363 ₹5,70,240
Aug 2029 Subsequent ₹20,611 ₹4,752 ₹25,363 ₹5,49,629
Sep 2029 – Aug 2030 StageSubsequent Principal paid₹2,61,142 Interest paid₹43,209 Total paid₹3,04,351
Month Stage Principal paid Interest paid Total paid Balance remaining
Sep 2029 Subsequent ₹20,782 ₹4,580 ₹25,363 ₹5,28,847
Oct 2029 Subsequent ₹20,956 ₹4,407 ₹25,363 ₹5,07,891
Nov 2029 Subsequent ₹21,130 ₹4,232 ₹25,363 ₹4,86,761
Dec 2029 Subsequent ₹21,306 ₹4,056 ₹25,363 ₹4,65,455
Jan 2030 Subsequent ₹21,484 ₹3,879 ₹25,363 ₹4,43,971
Feb 2030 Subsequent ₹21,663 ₹3,700 ₹25,363 ₹4,22,308
Mar 2030 Subsequent ₹21,843 ₹3,519 ₹25,363 ₹4,00,465
Apr 2030 Subsequent ₹22,025 ₹3,337 ₹25,363 ₹3,78,439
May 2030 Subsequent ₹22,209 ₹3,154 ₹25,363 ₹3,56,230
Jun 2030 Subsequent ₹22,394 ₹2,969 ₹25,363 ₹3,33,836
Jul 2030 Subsequent ₹22,581 ₹2,782 ₹25,363 ₹3,11,256
Aug 2030 Subsequent ₹22,769 ₹2,594 ₹25,363 ₹2,88,487
Sep 2030 – Aug 2031 StageSubsequent Principal paid₹2,88,487 Interest paid₹15,864 Total paid₹3,04,351
Month Stage Principal paid Interest paid Total paid Balance remaining
Sep 2030 Subsequent ₹22,959 ₹2,404 ₹25,363 ₹2,65,529
Oct 2030 Subsequent ₹23,150 ₹2,213 ₹25,363 ₹2,42,379
Nov 2030 Subsequent ₹23,343 ₹2,020 ₹25,363 ₹2,19,036
Dec 2030 Subsequent ₹23,537 ₹1,825 ₹25,363 ₹1,95,499
Jan 2031 Subsequent ₹23,733 ₹1,629 ₹25,363 ₹1,71,765
Feb 2031 Subsequent ₹23,931 ₹1,431 ₹25,363 ₹1,47,834
Mar 2031 Subsequent ₹24,131 ₹1,232 ₹25,363 ₹1,23,703
Apr 2031 Subsequent ₹24,332 ₹1,031 ₹25,363 ₹99,372
May 2031 Subsequent ₹24,534 ₹828 ₹25,363 ₹74,837
Jun 2031 Subsequent ₹24,739 ₹624 ₹25,363 ₹50,098
Jul 2031 Subsequent ₹24,945 ₹417 ₹25,363 ₹25,153
Aug 2031 Subsequent ₹25,153 ₹210 ₹25,363 ₹0
Balance remaining after the last month of each period shown above.