EMI yaani Equated Monthly Instalment — woh tay amount jo aap har mahine loan chukane ke liye dete hain. Har EMI mein do hisse hote hain: byaaj (jo bakaya amount par lagta hai) aur principal (jisse bakaya amount ghatti hai).
EMI ka formula
- P = loan amount
- r = mahine ki interest rate (saalana rate ÷ 12 ÷ 100) — 12% saalana = 0.01 mahina
- n = loan ka tenure, mahino mein
Example
₹5,00,000 ka loan, 12% saalana byaaj, 36 mahine ke liye:
- Har mahine ki EMI ≈ ₹16,607
- 3 saal mein kul payment ≈ ₹5,97,858
- Kul byaaj ≈ ₹97,858
(Yeh rates sirf example ke liye hain. Asli rate lender aur aapki profile par depend karti hai.)
Tenure badalne se kya farq padta hai?
Wahi ₹5,00,000, 12% saalana:
| Tenure | Har mahine EMI | Kul byaaj |
|---|---|---|
| 24 mahine | ₹23,537 | ₹64,882 |
| 36 mahine | ₹16,607 | ₹97,858 |
| 60 mahine | ₹11,122 | ₹1,67,333 |
Lamba tenure = kam EMI, lekin zyada kul byaaj. Utna hi chhota tenure chunein jiski EMI aap har mahine aaram se bhar sakein.
Flat rate se saavdhaan
Kuch offers "flat rate" batate hain, jismein byaaj poori amount par poore time lagta hai. 12% flat rate, 3 saal ke liye, lagbhag 21% reducing rate jitna mehenga hota hai. Hamesha reducing rate ya KFS mein likhe APR se compare karein.
EMI ke alawa kharche
- Processing fee aur us par GST
- Prepayment ya foreclosure charge (agar laagu ho)
- Late payment par penalty
Yeh sab lender ke Key Fact Statement (KFS) mein likhe hote hain.
Khud hisaab lagayein
EMI calculator mein amount, interest rate aur tenure daalein aur turant EMI dekhein. Loan chahiye? Padhein personal loan kaise le ya business loan kaise le.
Yeh guide general jaankari hai, financial advice nahi. Interest rate, fees, eligibility aur doosri shartein har lender tay karta hai aur badal sakti hain; examples ke numbers sirf samjhane ke liye hain. Oxon Fintech loan dilaane wala platform hai, lender nahi — loan hamare lending partners sanction aur disburse karte hain.