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Loan Basics

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What Is an EMI? A Complete Guide to Equated Monthly Instalments

Understand how an Equated Monthly Instalment works, how lenders calculate it, and how the loan amount, interest rate and tenure affect monthly payments and total repayment.

Oct 1, 2026 · 12 min read

What Is an EMI? A Complete Guide to Equated Monthly Instalments

October 1, 2026 by Samir Panchal

Monthly loan instalment illustrated as principal and interest payments on a calendar.

Understand how an Equated Monthly Instalment works, how lenders calculate it, and how the loan amount, interest rate and tenure affect monthly payments and total repayment.