Calculate Your Monthly EMI Accurately
Determine your Professional Loan repayment with Poonawalla Fincorp’s Professional Loan EMI calculator. Beyond EMIs, the calculator also helps you plan repayment and a monthly budget. Just enter your loan amount, the interest rate and the repayment tenure in the calculator, and you can immediately see how much you will be paying every month. Try now!
How to use a Professional Loan EMI Calculator
Using our calculator is both free and easy. Here is how simply you can use the calculator
- Enter the loan amount:Enter the loan amount up to ₹75 lakh
- Add the interest rate: Enter the interest rate
- Enter the loan tenure: Select the repayment term that fits your income and financial needs.
After entering all these details, the calculator automatically calculates your EMI and total interest payable. If you need funds to finance your career growth, click on the APPLY NOW to get a professional loan of up to ₹75 lakh.
Note: The calculated amount is just the estimation of monthly EMI based on the details entered in the calculator. Your actual monthly EMI may change based on other loan terms and conditions.
Benefits of a Professional Loan EMI Calculator
Here are all the benefits of the Professional Loan EMI Calculator that make repayment easier:
- Accurate Estimates: The calculator eliminates the chances of human errors and provides accurate estimates.
- Time-saving: As a professional, you can instantly get estimates on EMI and repayment
- Transparent Breakdown: The calculator provides the breakdown of your EMI that goes towards interest and principal.
- Better Financial Planning: Knowing your monthly EMI allows you to plan repayments according to your income and other financial obligations.
How is Professional Loan EMI Calculated
Here is the formula used in the calculation of Professional Loan EMI:
Professional Loan EMI = [P x R x (1+R)^N] / [(1+R)^N - 1] Where,
- P is the principal loan amount
- R is the monthly interest rate (annual rate/12)
- N is the total number of monthly instalments
Although the calculation process may be complicated when done manually, a Professional Loan EMI Calculator makes the process simple. It provides immediate results with EMI and interest payable.
Factors that Affect Professional Loan EMI
Here are all the factors that affect the Professional Loan EMI calculation:
- Loan Amount: The more money you borrow, the more you will pay every month, and the less you borrow, the more manageable the EMI will be.
- Interest Rate: The interest rate directly influences the cost of borrowing. Even a 0.5% change in interest rate can help you save or lose a significant amount.
- Loan Tenure: The longer the tenure, the lower the monthly EMI. Similarly, the shorter the tenure, the higher the EMI, but the lower the total repayment.
- Prepayments: Prepayments made on the principal amount lower the principal amount, which saves on interest and reduces future EMIs.
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Frequently Asked Questions
The Professional Loan EMI Calculator is an online tool that helps professionals estimate their monthly loan repayments, total interest, and total repayment before borrowing.
The calculator provides estimates based on the values you input. The accuracy of the results will be as accurate as your inputs. However, the actual EMIs may still vary slightly based on the processing fee that a lender charges.
While delayed payment may attract late charges, both delays and defaults can negatively impact your credit score.
Loan tenure directly influences Professional Loan EMIs. The longer the tenure, the lower the monthly EMI. The shorter the tenure, the higher the EMI and the lower the overall repayment.
Yes. Part or pre-prepayments reduce the outstanding principal, which, in turn, reduces your EMI or the loan tenure.
Yes. As a working professional, you can use the calculator to compare interest, loan and tenure to find a professional loan with the most favourable terms.
Yes. The Poonawalla Fincorp professional loan EMI calculator is free to use and can be accessed at any time.
Yes. The calculator provides an amortisation schedule that breaks down the principal and interest per instalment.
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