Calculators / EMI & Prepayment
The loan
₹10 L₹5 Cr
6%15%
130
Prepayment
OptionalThe extra money should
None₹20 L
1 mo24 mo
160
0%20%
None₹1 Cr
1240
Monthly EMI
₹1,61,119
Unchanged — the extra money shortens the loan instead.
Interest saved
₹51,92,581
28% of the interest bill
Loan clears
5 years 10 months
earlier — in 14.2 years, not 20
Without prepayingWith prepayingDebt retired early
Every rupee that leaves your account
Interest if you never prepay₹1,86,68,473
Interest you actually pay₹1,34,75,893
Total prepaid₹61.3 L
₹2,00,00,000 at 7.5% over 20 years, with ₹2,50,000 every 12 months, first in month 24, rising 10% each cycle. Interest accrues on the opening balance; prepayments post after that month's EMI. Illustrative only — not personalised financial advice.