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Loan EMI planner

Car Loan EMI Calculator

Calculate car loan EMI, total interest and repayment schedule before financing a new or used car.

Plan with confidence

Calculate your monthly EMI

Adjust the loan details to compare monthly repayments and the total cost of borrowing.

Loan details

Configure loan parameters

₹8,00,000
₹1,00,000₹50,00,000
9.5%
7%18%
60 months
12 mo84 mo

Presets

Your Fixed Monthly EMI

₹16,801

Explore Car Loan Options

Loan summary

Proportional Breakdown

Principal Investment

₹8,00,000

79%

Interest Surcharge

₹2,08,089

21%

Total Cumulative Payment

₹10,08,089

Principal Interest Split
Loan planning guide

About this car loan EMI calculator

Plan a vehicle purchase with this car loan EMI calculator. Enter the amount you expect to finance after your down payment to estimate the monthly instalment, interest cost and balance over the loan term.

How to use the calculator

  1. Set the amount you plan to borrow.
  2. Enter the annual interest rate offered or expected.
  3. Choose a repayment tenure to see the estimated EMI, total interest and schedule.
Common questions

Car Loan EMI calculator FAQs

Does the car loan amount include the down payment?

No. Enter the amount you plan to finance after subtracting your down payment from the vehicle cost.

Can I calculate EMI for a used car loan?

Yes. Enter the approved or expected loan amount, rate and tenure for the used-car finance offer.

Repayment schedule

Amortization schedule

Detailed month-on-month principal and interest allocation breakdown.

TimelineExpected EMIPrincipal ClearedInterest AccruedOutstanding Balance
Month 1₹16,801₹10,468₹6,333₹7,89,532
Month 2₹16,801₹10,551₹6,250₹7,78,981
Month 3₹16,801₹10,635₹6,167₹7,68,346
Month 4₹16,801₹10,719₹6,083₹7,57,628
Month 5₹16,801₹10,804₹5,998₹7,46,824
Month 6₹16,801₹10,889₹5,912₹7,35,935
Month 7₹16,801₹10,975₹5,826₹7,24,959
Month 8₹16,801₹11,062₹5,739₹7,13,897
Month 9₹16,801₹11,150₹5,652₹7,02,747
Month 10₹16,801₹11,238₹5,563₹6,91,509
Month 11₹16,801₹11,327₹5,474₹6,80,182
Month 12₹16,801₹11,417₹5,385₹6,68,766
Month 13₹16,801₹11,507₹5,294₹6,57,258
Month 14₹16,801₹11,598₹5,203₹6,45,660
Month 15₹16,801₹11,690₹5,111₹6,33,970
Month 16₹16,801₹11,783₹5,019₹6,22,188
Month 17₹16,801₹11,876₹4,926₹6,10,312
Month 18₹16,801₹11,970₹4,832₹5,98,342
Month 19₹16,801₹12,065₹4,737₹5,86,277
Month 20₹16,801₹12,160₹4,641₹5,74,117
Month 21₹16,801₹12,256₹4,545₹5,61,861
Month 22₹16,801₹12,353₹4,448₹5,49,507
Month 23₹16,801₹12,451₹4,350₹5,37,056
Month 24₹16,801₹12,550₹4,252₹5,24,506
Month 25₹16,801₹12,649₹4,152₹5,11,857
Month 26₹16,801₹12,749₹4,052₹4,99,108
Month 27₹16,801₹12,850₹3,951₹4,86,258
Month 28₹16,801₹12,952₹3,850₹4,73,306
Month 29₹16,801₹13,054₹3,747₹4,60,251
Month 30₹16,801₹13,158₹3,644₹4,47,094
Month 31₹16,801₹13,262₹3,539₹4,33,832
Month 32₹16,801₹13,367₹3,434₹4,20,465
Month 33₹16,801₹13,473₹3,329₹4,06,992
Month 34₹16,801₹13,579₹3,222₹3,93,412
Month 35₹16,801₹13,687₹3,115₹3,79,725
Month 36₹16,801₹13,795₹3,006₹3,65,930
Month 37₹16,801₹13,905₹2,897₹3,52,025
Month 38₹16,801₹14,015₹2,787₹3,38,011
Month 39₹16,801₹14,126₹2,676₹3,23,885
Month 40₹16,801₹14,237₹2,564₹3,09,648
Month 41₹16,801₹14,350₹2,451₹2,95,298
Month 42₹16,801₹14,464₹2,338₹2,80,834
Month 43₹16,801₹14,578₹2,223₹2,66,256
Month 44₹16,801₹14,694₹2,108₹2,51,562
Month 45₹16,801₹14,810₹1,992₹2,36,752
Month 46₹16,801₹14,927₹1,874₹2,21,825
Month 47₹16,801₹15,045₹1,756₹2,06,780
Month 48₹16,801₹15,164₹1,637₹1,91,615
Month 49₹16,801₹15,285₹1,517₹1,76,331
Month 50₹16,801₹15,406₹1,396₹1,60,925
Month 51₹16,801₹15,527₹1,274₹1,45,398
Month 52₹16,801₹15,650₹1,151₹1,29,747
Month 53₹16,801₹15,774₹1,027₹1,13,973
Month 54₹16,801₹15,899₹902₹98,074
Month 55₹16,801₹16,025₹776₹82,049
Month 56₹16,801₹16,152₹650₹65,897
Month 57₹16,801₹16,280₹522₹49,617
Month 58₹16,801₹16,409₹393₹33,208
Month 59₹16,801₹16,539₹263₹16,670
Month 60₹16,801₹16,670₹132₹0