EMI Calculate Karne Ka Aasaan Tarika – Janiye Kitna Interest Denge?

Agar aapne kabhi Home Loan, Car Loan ya Personal Loan liya hai, toh aapne EMI (Equated Monthly Installment) ka naam zaroor suna hoga.
EMI wo fixed amount hota hai jo aap har mahine apne loan ko chukane ke liye bank ya lender ko dete ho.

Zyada tar log sirf monthly EMI dekh kar loan le lete hain, lekin poore tenure me total interest kitna dena padega, iska andaza nahi lagate.
Chaliye, aaj hum aapko batate hain EMI calculate karne ka simple method, jisse aap pehle se apna budget plan kar sakte ho.

EMI Kya Hai?

EMI = Principal (loan amount) + Interest
Har mahine aap jo EMI dete ho, usme kuch hissa principal ka hota hai aur kuch hissa interest ka.

EMI Calculate Karne Ka Formula

EMI=P×R×(1+R)N(1+R)N−1EMI = \frac{P \times R \times (1+R)^N}{(1+R)^N – 1}EMI=(1+R)N−1P×R×(1+R)N​

Yahan:

• P = Loan Amount (Principal)
• R = Monthly Interest Rate (Annual Interest ÷ 12 ÷ 100)
• N = Total Months (Loan tenure in months)

Example Se Samjho

Maan lo aapne ₹5,00,000 ka personal loan liya hai, 10% annual interest rate par, aur loan tenure 5 saal (60 mahine) ka hai.

1. P = ₹5,00,000
2. R = 10% ÷ 12 = 0.833% = 0.00833
3. N = 60

Formula me dalne par EMI ≈ ₹10,624 per month aayegi.
Total Payment: ₹10,624 × 60 = ₹6,37,440
Total Interest: ₹6,37,440 – ₹5,00,000 = ₹1,37,440

EMI Calculate Karne Ke Easy Methods

1. Online EMI Calculator
   • Loan amount, interest rate, aur tenure daal do.
   • Seconds me aapko EMI aur total interest ka detail mil jayega.
   • Example: Google me search karo “EMI Calculator” ya bank ke website (SBI, HDFC, Axis) ka use karo.
2. Mobile Apps
   • Play Store / App Store me bahut EMI calculator apps available hain.
   • Offline bhi use kar sakte ho.
3. Excel / Google Sheets
   • PMT() function ka use karke EMI calculate ki ja sakti hai.

Loan Lete Waqt Dhyan Rakhne Wali Baaten

• Interest rate jitna kam hoga, EMI aur total interest utna kam hoga.
• Shorter tenure choose karne se interest kam lagega.
• Prepayment karke interest me kaafi bachat ho sakti hai.

Conclusion

EMI calculate karna mushkil kaam nahi hai. Thoda sa maths ya ek simple calculator aapko bata dega ki aapko har mahine aur poore loan tenure me kitna paisa dena padega.
Loan lene se pehle EMI ka exact idea rakhna aapko financial planning me madad karega aur unnecessary extra interest dene se bacha lega.