Loan Part-Payment Calculator

See how a part-payment can reduce your loan cost, and compare the two common choices: reduce tenure or reduce EMI.

Current Loan Details

Outstanding Loan Amount₹40,00,000

Annual Interest Rate8.50%

Remaining Tenure15 Years

The current EMI is estimated from the outstanding balance, interest rate and remaining tenure.

Part-Payment Details

Part-Payment Amount₹5,00,000

After Part-Payment

Compare both options to see which approach produces the larger interest saving.

Part-Payment Impact

Interest Saved—

Current EMI—

New EMI—

Current Interest—

New Interest—

Tenure Reduced—

Part-payment amount is assumed to be made immediately. Charges, minimum part-payment rules and lender-specific policies are not included.

Interest Comparison

Before Payment

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After Payment

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Option	EMI	Tenure	Total Interest	Interest Saved	Total Repayment

How it works: The calculator compares the original repayment with two part-payment approaches. In the “reduce tenure” option, EMI stays unchanged and the loan closes earlier. In the “reduce EMI” option, the original remaining tenure stays unchanged and the EMI is recalculated. Results are indicative and actual lender calculations may vary.