How to Use This Tool in 3 Steps
- 1
Enter disbursed amount, annual rate, and repayment years.
Use the sanctioned figures, not a guess.
- 2
Set moratorium months and whether to capitalize.
Match the loan agreement as closely as this simple model allows.
- 3
Read EMI and the table.
Confirm with the bank’s amortization; floating resets are not modelled.
