Loan Details
Live Calculation
Loan Amount (NPR)
रु 30,00,000
रु 1 Lakhरु 50 Lakh
Interest Rate (% per year)
9.5%
5%24%
Loan Tenure
20 Years
1 Year30 Years
Current Bank Rates (Approx.)
* Tap a bank to auto-fill rate. Rates are approximate — verify with your bank.
EMI Breakdown
Monthly EMI
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Per Month
Total Interest
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–
Total Payment
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–
Principal
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Interest
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First Month Interest
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Break-even Month
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Amortization Schedule
| Month | EMI | Principal | Interest | Balance |
|---|---|---|---|---|
| Enter loan details and click Calculate | ||||
Nepal EMI Calculator – ऋण किस्ता क्याल्कुलेटर
Planning to buy a house, car, or bike in Nepal? Our free EMI calculator helps you calculate your exact monthly installment (किस्ता) before approaching any bank. Whether you're applying at Nabil Bank, NIC Asia, Global IME, NMB Bank, Rastriya Banijya Bank, or any other BFI in Nepal — simply enter the loan amount in NPR, interest rate, and tenure to get instant results.
The EMI formula used: EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ – 1), where P = Principal, r = monthly interest rate, n = total months. This is the standard formula used by all Nepali banks.
🏠 Home Loan Nepal
Typical rate: 9–12%. Max tenure: 20–25 years. Min down payment: 20–40%.
🚗 Car/Vehicle Loan
Typical rate: 10–13%. Max tenure: 5–7 years. Down payment: 30–50%.
💳 Personal Loan
Typical rate: 13–18%. Max tenure: 3–5 years. No collateral required.
🎓 Education Loan
Typical rate: 9–11%. Max tenure: 10–15 years. Grace period available.