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EMI Calculator

Each EMI repays a part of principal i.e. the borrowed amount and the interest due on the borrowed amount. The proportion of each EMI utilised for repayment of principal and interest, however, varies over time.

Banks and financial institutions, in general, calculate EMI through a common mathematical formula. Thus, for a given loan amount, tenure and interest rate, the EMI calculated and the amortisation schedule offered by banks and Non-Banking Financial Companies (NBFCs) will typically be similar. This means that pattern of reduction of principal amount through payment of each EMI will typically follow similar trend across all financial institutions.

It is a well-known fact that the initial EMIs contribute more towards payment of interest due as compared to the principal amount. However, during the tenure of the loan, subsequent EMIs contribute more towards repayment of principal amount as compared to previous EMIs.


We’ve built an advanced digital platform which infuses convenience into the borrowing and lending process. A technologically robust and intuitive loan portal, Finrobo is strongly backed by human expertise. The portal aggregates 50+ leading banks and NBFCs that cater to the loan requirements of people with business interest in any sector, and the portal has been developed to achieve seamless end-to-end loan closures.This facilitates comparison of the rate of interest and loan terms before the best deal is closed. Finrobo aims to accelerate the loan process by simplifying it thereby ensuring that time, effort and money is saved.

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