Loan Systems

Reducing Balance vs Flat Rate EMI Amortization Desk

Compare flat interest rate calculations against standard reducing balance amortization. Learn how prepayments save interest cash.

Loan Parameters

Principal Loan Amount (₹)₹25,00,000

1 Lakh2 Crore

Annual Interest Rate (%)8.5%

5%20%

Loan Tenure (Years)15 Years

1 Year30 Years

Optional Monthly Extra Prepayment (₹)* Slashes total interest liability and shortens loan tenure.

Monthly EMI

₹0

Equal Installment

Total Interest

₹0

Reducing balance

Total Payment

₹0

Principal + Interest

Interest vs Principal Split

Principal (₹25,00,000) Interest (₹0)

Annual Amortization Trend

Repayment Amortization Schedule

Month	Opening Bal	Principal	Interest	Closing Bal

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Reducing Balance vs Flat Rate EMI Amortization Desk

Loan Parameters

Interest vs Principal Split

Annual Amortization Trend

Repayment Amortization Schedule

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