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.
Maximum loan amount: ₹5,00,00,000
Indicative range for Term Loan: 10.00% – 20.00%
Maximum tenure: 10 years (120 months)
Monthly EMI
₹21,247
Total interest
₹2,74,823
Total payment
₹12,74,823
Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.
Principal vs. interest
- Principal 78.4%
- Interest 21.6%
Principal & interest paid per year
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₹1,62,268 Interest paid₹92,696 Total paid₹2,54,964
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2026 | ₹12,914 | ₹8,333 | ₹21,247 | ₹9,87,086 |
| Oct 2026 | ₹13,021 | ₹8,226 | ₹21,247 | ₹9,74,065 |
| Nov 2026 | ₹13,130 | ₹8,117 | ₹21,247 | ₹9,60,935 |
| Dec 2026 | ₹13,239 | ₹8,008 | ₹21,247 | ₹9,47,696 |
| Jan 2027 | ₹13,350 | ₹7,897 | ₹21,247 | ₹9,34,346 |
| Feb 2027 | ₹13,461 | ₹7,786 | ₹21,247 | ₹9,20,886 |
| Mar 2027 | ₹13,573 | ₹7,674 | ₹21,247 | ₹9,07,313 |
| Apr 2027 | ₹13,686 | ₹7,561 | ₹21,247 | ₹8,93,626 |
| May 2027 | ₹13,800 | ₹7,447 | ₹21,247 | ₹8,79,826 |
| Jun 2027 | ₹13,915 | ₹7,332 | ₹21,247 | ₹8,65,911 |
| Jul 2027 | ₹14,031 | ₹7,216 | ₹21,247 | ₹8,51,880 |
| Aug 2027 | ₹14,148 | ₹7,099 | ₹21,247 | ₹8,37,732 |
Sep 2027 – Aug 2028 Principal paid₹1,79,260 Interest paid₹75,705 Total paid₹2,54,964
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2027 | ₹14,266 | ₹6,981 | ₹21,247 | ₹8,23,466 |
| Oct 2027 | ₹14,385 | ₹6,862 | ₹21,247 | ₹8,09,081 |
| Nov 2027 | ₹14,505 | ₹6,742 | ₹21,247 | ₹7,94,576 |
| Dec 2027 | ₹14,626 | ₹6,621 | ₹21,247 | ₹7,79,951 |
| Jan 2028 | ₹14,747 | ₹6,500 | ₹21,247 | ₹7,65,203 |
| Feb 2028 | ₹14,870 | ₹6,377 | ₹21,247 | ₹7,50,333 |
| Mar 2028 | ₹14,994 | ₹6,253 | ₹21,247 | ₹7,35,339 |
| Apr 2028 | ₹15,119 | ₹6,128 | ₹21,247 | ₹7,20,220 |
| May 2028 | ₹15,245 | ₹6,002 | ₹21,247 | ₹7,04,974 |
| Jun 2028 | ₹15,372 | ₹5,875 | ₹21,247 | ₹6,89,602 |
| Jul 2028 | ₹15,500 | ₹5,747 | ₹21,247 | ₹6,74,102 |
| Aug 2028 | ₹15,630 | ₹5,618 | ₹21,247 | ₹6,58,472 |
Sep 2028 – Aug 2029 Principal paid₹1,98,030 Interest paid₹56,934 Total paid₹2,54,964
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2028 | ₹15,760 | ₹5,487 | ₹21,247 | ₹6,42,713 |
| Oct 2028 | ₹15,891 | ₹5,356 | ₹21,247 | ₹6,26,821 |
| Nov 2028 | ₹16,024 | ₹5,224 | ₹21,247 | ₹6,10,798 |
| Dec 2028 | ₹16,157 | ₹5,090 | ₹21,247 | ₹5,94,641 |
| Jan 2029 | ₹16,292 | ₹4,955 | ₹21,247 | ₹5,78,349 |
| Feb 2029 | ₹16,427 | ₹4,820 | ₹21,247 | ₹5,61,922 |
| Mar 2029 | ₹16,564 | ₹4,683 | ₹21,247 | ₹5,45,357 |
| Apr 2029 | ₹16,702 | ₹4,545 | ₹21,247 | ₹5,28,655 |
| May 2029 | ₹16,842 | ₹4,405 | ₹21,247 | ₹5,11,813 |
| Jun 2029 | ₹16,982 | ₹4,265 | ₹21,247 | ₹4,94,831 |
| Jul 2029 | ₹17,123 | ₹4,124 | ₹21,247 | ₹4,77,708 |
| Aug 2029 | ₹17,266 | ₹3,981 | ₹21,247 | ₹4,60,442 |
Sep 2029 – Aug 2030 Principal paid₹2,18,767 Interest paid₹36,198 Total paid₹2,54,964
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2029 | ₹17,410 | ₹3,837 | ₹21,247 | ₹4,43,032 |
| Oct 2029 | ₹17,555 | ₹3,692 | ₹21,247 | ₹4,25,477 |
| Nov 2029 | ₹17,701 | ₹3,546 | ₹21,247 | ₹4,07,775 |
| Dec 2029 | ₹17,849 | ₹3,398 | ₹21,247 | ₹3,89,926 |
| Jan 2030 | ₹17,998 | ₹3,249 | ₹21,247 | ₹3,71,929 |
| Feb 2030 | ₹18,148 | ₹3,099 | ₹21,247 | ₹3,53,781 |
| Mar 2030 | ₹18,299 | ₹2,948 | ₹21,247 | ₹3,35,482 |
| Apr 2030 | ₹18,451 | ₹2,796 | ₹21,247 | ₹3,17,031 |
| May 2030 | ₹18,605 | ₹2,642 | ₹21,247 | ₹2,98,426 |
| Jun 2030 | ₹18,760 | ₹2,487 | ₹21,247 | ₹2,79,666 |
| Jul 2030 | ₹18,916 | ₹2,331 | ₹21,247 | ₹2,60,749 |
| Aug 2030 | ₹19,074 | ₹2,173 | ₹21,247 | ₹2,41,675 |
Sep 2030 – Aug 2031 Principal paid₹2,41,675 Interest paid₹13,290 Total paid₹2,54,965
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2030 | ₹19,233 | ₹2,014 | ₹21,247 | ₹2,22,442 |
| Oct 2030 | ₹19,393 | ₹1,854 | ₹21,247 | ₹2,03,049 |
| Nov 2030 | ₹19,555 | ₹1,692 | ₹21,247 | ₹1,83,494 |
| Dec 2030 | ₹19,718 | ₹1,529 | ₹21,247 | ₹1,63,776 |
| Jan 2031 | ₹19,882 | ₹1,365 | ₹21,247 | ₹1,43,893 |
| Feb 2031 | ₹20,048 | ₹1,199 | ₹21,247 | ₹1,23,845 |
| Mar 2031 | ₹20,215 | ₹1,032 | ₹21,247 | ₹1,03,630 |
| Apr 2031 | ₹20,383 | ₹864 | ₹21,247 | ₹83,247 |
| May 2031 | ₹20,553 | ₹694 | ₹21,247 | ₹62,694 |
| Jun 2031 | ₹20,725 | ₹522 | ₹21,247 | ₹41,969 |
| Jul 2031 | ₹20,897 | ₹350 | ₹21,247 | ₹21,072 |
| Aug 2031 | ₹21,072 | ₹176 | ₹21,247 | ₹0 |
About the Term Loan
Find your ideal Tenure
Pick 3 tenures to compare — same ₹10,00,000 at 10.00% each time.
| Tenure | EMI | Total interest |
|---|---|---|
| ₹87,916 | ₹54,991 | |
| ₹21,247 | ₹2,74,823 | |
| ₹13,215 | ₹5,85,809 |
Compare Rates & Savings
Pick 3 rates to compare — same ₹10,00,000 over 5 years each time.
| Rate | EMI | Total interest |
|---|---|---|
| ₹21,247 | ₹2,74,823 | |
| ₹23,790 | ₹4,27,396 | |
| ₹26,494 | ₹5,89,633 |
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What Is FOIR and How It Affects Your Loan Eligibility
FOIR is one of the biggest reasons an application gets a lower amount than expected — here's what it means.