Interest-only
Pay interest monthly, principal later
Lower monthly outflow
Monthly interest
₹4,371
- Total interest
- ₹52,450
- Total payable
- ₹5,52,450
Lower monthly outflow. Principal stays outstanding until repaid.
Tools
Repayment estimator
Model monthly outflow and total interest while you speak with a client. Adjust the amount, rate, and tenure to compare repayment styles.
Loan details
Three numbers are enough to get an estimate.
How much the client plans to draw from their credit line
₹
Use the rate shown in their offer, or 10.49% as a starting point
%
How long they expect to keep the amount outstanding
months
Compare repayment styles
Share these numbers with your client on the call.
EMI
Equal monthly installments
Lower total interest
Monthly EMI
₹44,072
- Total interest
- ₹28,864
- Total payable
- ₹5,28,864
Higher monthly payment, but principal reduces each month.
Total interest comparison
Interest-only₹52,450
EMI₹28,864
Over 12 months, EMI costs ₹23,586 less in total interest.
Interest-only saves ₹39,701 per month in outflow.
Interest accrues at ₹143.70 per day on the outstanding balance.
Estimates assume the full amount stays drawn for the entire tenure. Actual interest may vary with partial repayments, daily balances, and lender terms.