Tools
Multi-Scenario EMI Planner
Compare up to 4 loan scenarios side-by-side — different amounts, rates, and tenures.
Monthly EMI
Total Interest Cost
Full Summary
Conservative
₹3.0L · 11% · 36mo
₹9,822/mo
Total: ₹3.5L
Balanced
₹5.0L · 13% · 48mo
₹13,414/mo
Total: ₹6.4L
Aggressive
₹7.0L · 15% · 60mo
₹16,653/mo
Total: ₹10.0L
Our Recommendation
Conservative saves you the most interest (₹53.6K total) but has a higher EMI. Conservative gives you the lowest EMI of ₹9,822/month but costs more overall. Choose based on what strains your budget less.
EMI Planner FAQ
EMI (Equated Monthly Installment) is the fixed monthly payment you make to repay a loan, covering both principal and interest, calculated so the loan is fully paid off by the end of the tenure.
Yes — spreading the same loan amount over more months lowers the monthly EMI, but increases the total interest you pay over the life of the loan.
Significantly. On a ₹5L loan over 3 years, moving from 11% to 15% p.a. raises the EMI by roughly ₹1,000/month and adds tens of thousands of rupees in total interest.