DPR Readiness
EMI & Loan Repayment Calculator
Work out the monthly instalment on a term loan, what the moratorium costs, and how the balance runs down year by year. The defaults are examples only; change them to match your loan.
Monthly EMI
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Monthly interest in moratorium
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Total interest
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Total amount paid
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Principal repaid by EMIs
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Year-wise repayment schedule
Loan year 1 starts at the first disbursement| Loan year | Opening balance | Interest | Principal | Total paid | Closing balance |
|---|
Formula used
| Measure | How it is calculated |
|---|---|
| Monthly rate (r) | Annual interest rate ÷ 12 ÷ 100 |
| EMI | P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where P is the loan outstanding when instalments start and n the number of monthly instalments |
| Moratorium, interest paid | Interest of P × r is paid each month; the principal for the EMI stays at the loan amount |
| Moratorium, interest capitalised | Interest is added to the loan each month, so instalments are computed on the higher balance |
Notes
The calculator assumes the full loan is disbursed at the start and a fixed rate. In practice, project loans are disbursed in stages, rates float with the lender's benchmark, and repayment may be quarterly or step-up. Your lender's sanction letter decides the actual schedule. Carry the yearly interest and principal into the DSCR calculator.
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