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Repayment & Amortisation Tool

Plan your monthly installments with reducing-balance precision.

Model your monthly repayment across Personal, Business, Education, and Professional loans, inspect the exact split between principal and interest, and export a complete CSV amortisation ledger.

Select Loan Facility
₹
₹50K₹25 Lakh
%
5% p.a.30% p.a.
Yr
1 Yr5 Yr
Estimated Monthly Installment (EMI)
₹26,089/ month
Principal Amount₹10,00,000
Total Interest Payable₹0
Total Repayment (Principal + Interest)₹0
Proceed with this structure

Calculated on a monthly reducing-balance basis. Processing fees and statutory taxes are separate as per the Schedule of Charges.

Repayment Amortisation Schedule

Periodic breakdown of principal recovery, interest expense, and declining balance.

YearPrincipal (₹)Interest (₹)Total EMI Paid (₹)Closing Balance (₹)Principal Repaid
Computation Methodology

How reducing-balance amortisation works

Unlike flat-rate schemes that charge interest on the original principal throughout the tenure, Shreeyansh Edufin computes interest strictly on the declining principal balance at the close of each monthly billing cycle.

Standard Banking Amortisation Formula EMI = [P × r × (1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
P
Sanctioned Principal Loan Amount (₹)
r
Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100)
n
Total Repayment Tenure in Months
Repayment Optimization

Three strategies to reduce total interest outgo

  • Make Periodic Part-Prepayments

    Directing annual bonuses or surplus business cash flows toward principal prepayment after 6 EMIs significantly shortens remaining loan tenure.

  • Select the Shortest Comfortable Tenure

    While a shorter tenure carries a slightly higher monthly installment, it substantially reduces cumulative interest paid over the life of the loan.

  • Step Up Repayments as Income Grows

    Increasing your annual repayment allocation by even 5–10% accelerates principal recovery during the early years of amortisation.

Amortisation FAQs

Questions on EMI calculation

Understanding repayment schedules, processing fee treatment, and tenure adjustments.

Compare product-specific fees

Review processing fees, prepayment rules, and foreclosure charges across all four lending verticals.

View Schedule of Charges
What is an amortisation schedule?
An amortisation schedule is a complete chronological table detailing how each monthly EMI payment is allocated toward interest expense and principal reduction, alongside the closing principal balance after each installment.
Why is the interest component higher in the initial months?
Because interest in a reducing-balance loan is calculated on the outstanding principal balance, the interest portion is highest at the start of the loan and decreases progressively with every EMI paid.
Does the EMI figure include one-time processing fees?
No. The monthly EMI comprises strictly principal and interest repayment. One-time processing fees and applicable GST are disclosed separately in the Sanction Letter and Schedule of Charges.
How can I export the repayment schedule for my records?
Click the "Export CSV" button above the amortisation table to download a spreadsheet containing the complete month-by-month repayment ledger.

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