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Mudra 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.

₹

Maximum loan amount: ₹10,00,000

%

Indicative range for Mudra Loan: Government scheme (Shishu/Kishor/Tarun) — amount capped by category.

years

Maximum tenure: 5 years (60 months)

Monthly EMI

₹9,401

Total interest

₹38,433

Total payment

₹3,38,433

Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.

Principal vs. interest

  • Principal 88.6%
  • Interest 11.4%

Principal & interest paid per year

2026
2027
2028

Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.

Full breakdown, starting this month

Assumes your first EMI falls this month — click a period to see every month within it.

Sep 2026 – Aug 2027 Principal paid₹92,141 Interest paid₹20,670 Total paid₹1,12,811
Month Principal paid Interest paid Total paid Balance remaining
Sep 2026 ₹7,401 ₹2,000 ₹9,401 ₹2,92,599
Oct 2026 ₹7,450 ₹1,951 ₹9,401 ₹2,85,149
Nov 2026 ₹7,500 ₹1,901 ₹9,401 ₹2,77,649
Dec 2026 ₹7,550 ₹1,851 ₹9,401 ₹2,70,099
Jan 2027 ₹7,600 ₹1,801 ₹9,401 ₹2,62,499
Feb 2027 ₹7,651 ₹1,750 ₹9,401 ₹2,54,848
Mar 2027 ₹7,702 ₹1,699 ₹9,401 ₹2,47,146
Apr 2027 ₹7,753 ₹1,648 ₹9,401 ₹2,39,393
May 2027 ₹7,805 ₹1,596 ₹9,401 ₹2,31,588
Jun 2027 ₹7,857 ₹1,544 ₹9,401 ₹2,23,731
Jul 2027 ₹7,909 ₹1,492 ₹9,401 ₹2,15,821
Aug 2027 ₹7,962 ₹1,439 ₹9,401 ₹2,07,859
Sep 2027 – Aug 2028 Principal paid₹99,788 Interest paid₹13,022 Total paid₹1,12,811
Month Principal paid Interest paid Total paid Balance remaining
Sep 2027 ₹8,015 ₹1,386 ₹9,401 ₹1,99,844
Oct 2027 ₹8,069 ₹1,332 ₹9,401 ₹1,91,775
Nov 2027 ₹8,122 ₹1,279 ₹9,401 ₹1,83,653
Dec 2027 ₹8,177 ₹1,224 ₹9,401 ₹1,75,476
Jan 2028 ₹8,231 ₹1,170 ₹9,401 ₹1,67,245
Feb 2028 ₹8,286 ₹1,115 ₹9,401 ₹1,58,959
Mar 2028 ₹8,341 ₹1,060 ₹9,401 ₹1,50,618
Apr 2028 ₹8,397 ₹1,004 ₹9,401 ₹1,42,221
May 2028 ₹8,453 ₹948 ₹9,401 ₹1,33,769
Jun 2028 ₹8,509 ₹892 ₹9,401 ₹1,25,260
Jul 2028 ₹8,566 ₹835 ₹9,401 ₹1,16,694
Aug 2028 ₹8,623 ₹778 ₹9,401 ₹1,08,071
Sep 2028 – Aug 2029 Principal paid₹1,08,071 Interest paid₹4,740 Total paid₹1,12,811
Month Principal paid Interest paid Total paid Balance remaining
Sep 2028 ₹8,680 ₹720 ₹9,401 ₹99,390
Oct 2028 ₹8,738 ₹663 ₹9,401 ₹90,652
Nov 2028 ₹8,797 ₹604 ₹9,401 ₹81,855
Dec 2028 ₹8,855 ₹546 ₹9,401 ₹73,000
Jan 2029 ₹8,914 ₹487 ₹9,401 ₹64,086
Feb 2029 ₹8,974 ₹427 ₹9,401 ₹55,112
Mar 2029 ₹9,033 ₹367 ₹9,401 ₹46,079
Apr 2029 ₹9,094 ₹307 ₹9,401 ₹36,985
May 2029 ₹9,154 ₹247 ₹9,401 ₹27,831
Jun 2029 ₹9,215 ₹186 ₹9,401 ₹18,615
Jul 2029 ₹9,277 ₹124 ₹9,401 ₹9,339
Aug 2029 ₹9,339 ₹62 ₹9,401 ₹0
Balance remaining after the last month of each period shown above.

About the Mudra Loan

Find your ideal Tenure

Pick 3 tenures to compare — same ₹3,00,000 at 8.00% each time.

Tenure EMI Total interest
₹26,097 ₹13,158
₹9,401 ₹38,433
₹6,083 ₹64,975

Compare Rates & Savings

Pick 3 rates to compare — same ₹3,00,000 over 3 years each time.

Rate EMI Total interest
₹9,401 ₹38,433
₹9,680 ₹48,486
₹9,964 ₹58,715
Check Your Eligibility Apply for this loan

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