Loan ki EMI kaise nikale: formula
Loan ki EMI kaise nikale, iska jawab ek formula mein hai. EMI (Equated Monthly Instalment) woh barabar rakam hai jo aap har mahine lender ko dete hain. Har EMI mein do hisse hote hain: byaj, aur mool rakam (principal) ka hissa.
EMI = P × r × (1 + r)^n ÷ ((1 + r)^n minus 1) (Standard loan EMI formula)
- P = loan ki rakam (principal)
- r = mahine ki byaj dar = saalana dar ÷ 12 ÷ 100
- n = kitne mahine mein chukana hai, yaani tenor
Tenor ka matlab hai loan ki kul avadhi. Yeh formula ganit ka ek standard formula hai. Kisi regulator ne ise alag se nahi likha (Standard loan EMI formula), lekin reducing balance wale loan par banks yahi tarika use karte hain.
Yeh page formula ko Hindi mein samjhata hai. Apne aankdon se turant EMI dekhni ho to business loan EMI calculator kholiye. CGTMSE guarantee fee wale MSME loan ke liye MSME loan EMI calculator hai, aur ₹1 lakh se ₹1 crore tak har rakam ki EMI table yahan hai.
Poora udaharan: ₹10,00,000, 36 mahine, 14%
Yahan 14% sirf udaharan ki dar hai, kisi lender ka offer nahi. Aapki asli dar lender tay karega.
| Step | Hisaab | Nateeja | Source |
|---|---|---|---|
| Mahine ki dar r | 14 ÷ 12 ÷ 100 | 0.011667 | Standard loan EMI formula |
| (1 + r)^36 | 1.011667 ki power 36 | 1.518266 | Standard loan EMI formula |
| EMI | 10,00,000 × 0.011667 × 1.518266 ÷ 0.518266 | ₹34,178 | Standard loan EMI formula |
| Kul bhugtaan | ₹34,178 × 36 | ₹12,30,395 | Standard loan EMI formula |
| Kul byaj | ₹12,30,395 minus ₹10,00,000 | ₹2,30,395 | Standard loan EMI formula |
Kul bhugtaan ₹12,30,395 hai kyonki hisaab poori dashamlav (decimal) par hota hai, aur rounded EMI ko 36 se guna karne par kuch rupaye ka fark aata hai (Standard loan EMI formula).
Pehle mahine ki EMI ka bantwara
| Hissa | Rakam | Source |
|---|---|---|
| Byaj (₹10,00,000 × 0.011667) | ₹11,667 | Standard loan EMI formula |
| Principal (₹34,178 minus ₹11,667) | ₹22,511 | Standard loan EMI formula |
| Bacha hua loan | ₹9,77,489 | Standard loan EMI formula |
Doosre mahine byaj ₹9,77,489 par lagega, isliye thoda kam hoga, aur principal ka hissa badhega. Isi ko reducing balance kehte hain.
Rakam ya avadhi badle to EMI kaise badalti hai
| Loan | Avadhi | Dar (udaharan) | EMI | Source |
|---|---|---|---|---|
| ₹10,00,000 | 36 mahine | 14% | ₹34,178 | Standard loan EMI formula |
| ₹10,00,000 | 60 mahine | 14% | ₹23,268 | Standard loan EMI formula |
| ₹5,00,000 | 24 mahine | 14% | ₹24,006 | Standard loan EMI formula |
Lambi avadhi mein EMI kam hoti hai, lekin kul byaj zyada lagta hai. Apne aankde daal kar dekhne ke liye business loan EMI calculator kholiye.
Flat rate aur reducing rate ka fark
Reducing rate mein byaj har mahine bache hue loan par lagta hai, jaisa upar dikhaya. Flat rate mein byaj poori avadhi tak shuru ki poori rakam par lagta hai. Isliye ek hi dikhne wali dar par flat rate ka loan kaafi mehenga padta hai. Kisi offer mein "flat" likha ho to lender se reducing dar ya APR poochhiye.
EMI ke alawa asli keemat: fees aur APR
EMI sirf byaj dikhati hai. Processing fee aur doosre charge loan ki asli keemat badhaate hain. Ek bank (Kotak Mahindra Bank) apne page par adhiktam 2% processing fee plus tax likhta hai (Kotak Mahindra Bank). Udaharan ke loan par 2% fee ₹20,000 hogi. Fee kat jaane se aapke haath kam paisa aata hai, lekin EMI utni hi rehti hai.
Isliye RBI ne APR (Annual Percentage Rate) dikhana zaroori kiya hai. APR mein byaj aur saare charge dono shaamil hote hain (RBI notification). Yeh Key Facts Statement (KFS) mein likha hota hai, jo 01-Oct-2024 se naye MSME term loan par dena zaroori hai (RBI notification, 15-Apr-2024). Jo fee KFS mein nahi likhi, woh aapki saaf manzoori ke bina nahi li ja sakti (RBI notification).
Loan jaldi chukane par charge ka niyam bhi dekhiye. 01-Jan-2026 se sanction hue floating rate business loan par zyadatar banks prepayment charge nahi le sakte (RBI notification, 02-Jul-2025).
Loan lene se pehle apna file kitna taiyaar hai, yeh free Capnix score se dekhiye. Loan lene ke poore steps business loan kaise le mein hain.
Frequently asked questions
Formula EMI = P × r × (1 + r)^n ÷ ((1 + r)^n minus 1) se, jahan r mahine ki dar aur n mahine hain (Standard loan EMI formula). Ya EMI calculator use kijiye.
Wahi formula lagta hai. ₹10,00,000 ka loan, 36 mahine, 14% udaharan dar par EMI ₹34,178 aati hai (Standard loan EMI formula).
Dar aur avadhi par nirbhar hai. 14% udaharan dar par ₹10,00,000 ki EMI 36 mahine mein ₹34,178 aur 60 mahine mein ₹23,268 aati hai (Standard loan EMI formula).
Nahi. Processing fee alag lagti hai, aksar loan se kaat li jaati hai. Asli keemat ke liye KFS mein APR dekhiye (RBI notification).
Reducing mein byaj bache hue loan par lagta hai; flat mein poori shuruaati rakam par. Isliye ek jaisi dikhne wali dar par flat zyada mehenga padta hai.
Lambi avadhi mein EMI kam par kul byaj zyada. Chhoti avadhi mein EMI zyada par kul byaj kam. Woh avadhi chuniye jisme EMI aapki kamai se aaram se nikle.
EMI card zyadatar consumer saaman ke liye hota hai, business loan ke liye nahi. Business ke kaam ke liye bank ya NBFC ka business loan dekhiye.
Sources
- RBI circular on Key Facts Statement, RBI/2024-25/18 , checked 02-Oct-2026
- RBI circular on pre-payment charges, RBI/2025-26/64 , checked 02-Oct-2026
- Kotak Mahindra Bank: business loan fees and charges , checked 02-Oct-2026
- EMI arithmetic: standard annuity formula, computed 02-Oct-2026