EMI Calculator - Calculate Monthly EMI

Calculate EMI with our Bajaj Finserv Insta EMI Calculator and plan your purchases better.

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Bajaj Finserv EMI Network Calculator

It is an online tool to help you calculate your down payment and monthly instalments for the product you wish to purchase on Bajaj Mall.

All you have to do is enter the price of the product and select an EMI scheme that includes the down payment and the number of EMIs you wish to pay.

Once you enter these details, the calculator will show you the down payment amount, your EMI, and your tenure.

What is EMI?

EMI stands for Equated Monthly Instalment. It is the fixed amount a borrower pays every month to a lender until the loan is fully repaid. Each EMI consists of two components — the principal amount and the interest. In the initial stages of repayment, the interest portion is higher, while the principal component increases gradually with each instalment. EMIs allow borrowers to manage large expenses like home loans, car loans, or personal loans by breaking them into manageable monthly payments. Factors like loan amount, interest rate, and tenure determine your EMI. Using an EMI calculator can help you estimate your monthly outflow based on your specific needs and financial capacity.

What is an EMI Network Calculator?

An EMI Calculator helps you estimate your monthly instalments for any loan or purchase, based on the loan amount, interest rate, and tenure. It gives a clear picture of your repayment plan and helps in budgeting expenses better.

An EMI Network Calculator is designed specifically for purchases made using the Insta EMI Card. It enables you to calculate EMIs across a wide range of products and services available on easy No Cost EMIs. This tool ensures you make informed decisions while shopping on the Bajaj Finserv EMI Network.

Calculate EMI for your favourite products

Use the EMI Network Calculator to easily plan your purchases. Here’s how you can calculate your EMIs step by step:

  1. Select the product category – Choose from electronics, appliances, travel, education, and more.
  2. Enter the product price – Input the total cost of your desired item or service.
  3. Choose the tenure – Select a convenient repayment period
  4. View EMI breakdown – Instantly see your monthly instalment and total payable amount.
  5. Apply with insta emi card – Use the Insta EMI Card for hassle-free easy EMI payments.

Calculate EMI for Mobiles, iPhones, Laptops & Home Appliances

Select your device, enter the price, and check affordable EMIs available with flexible tenure on the Bajaj Finserv EMI Network.

Calculate EMI for Flight Tickets & Travel Bookings

Plan holidays with ease—calculate EMIs on flights, hotels, and travel packages using the EMI Network Calculator.

Calculate EMI for Courses & Education Expenses

Manage education costs smartly by calculating EMIs on coaching classes, online courses, or skill development programs.

Types of EMI Calculators

EMI Calculators are tailored for different types of loans. Each one is designed to help you estimate monthly payments specific to your financial need. Here's how they work:

  1. Choose the Loan Type – Select from home loan, personal loan, car loan, and more.
  2. Enter Loan Amount – Input the total amount you plan to borrow.
  3. Select Interest Rate – Provide the applicable interest rate for the loan.
  4. Choose Loan Tenure – Pick a tenure that suits your budget and repayment ability.
  5. View EMI Results – Instantly get your monthly EMI, total interest, and repayment schedule.

Home Loan EMI Calculator

Calculate your monthly repayments for housing loans with different tenures and interest rates to plan your dream home purchase smartly.

Car Loan EMI Calculator

Check your EMIs for new or used car loans and choose a tenure that fits your budget and driving needs.

Personal Loan EMI Calculator

Estimate your monthly outflow for personal loans to manage medical, wedding, or emergency expenses with ease.

Education Loan EMI Calculator

Plan your academic journey by calculating EMIs for student loans or professional courses with flexible repayment terms.

Loan against Property EMI Calculator

Use this to compute EMIs when borrowing against your property’s value for personal or business needs.

Benefits of Using Online EMI Calculator

An online EMI Calculator offers quick and accurate results, saving you time and effort. It helps you plan your finances better by providing clarity on monthly repayments, total interest, and loan tenure. You can compare different loan scenarios instantly and choose what suits your budget. Best of all, it’s free to use, available 24/7, and requires no personal details—making it a safe and efficient financial planning tool.

Disclaimer

Results generated by the calculator(s) are indicative in nature. The interest rate applied on the loan will depend on the prevailing rates at the time of loan booking.

The calculator(s) are not intended to provide its users/ customers with results that are either certified by Bajaj Finance Limited (“BFL”) or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by BFL, under any circumstances. The calculator(s) is only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer. The use of the calculator is entirely at the risk of the user/ customer, BFL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator.

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Frequently asked questions

How can I calculate my down payment amount?

You can use the Bajaj Finserv EMI calculator to know your down payment amount and EMIs instantly. Fill in the details needed in the fields.

What does a scheme type mean in the EMI Network Calculator?

A scheme type refers to the combination of the down payment equalling a certain number of EMIs and the further monthly instaments you wish to pay.

For example, you want to buy a GoPro camera worth Rs. 54,500/- and decide to pay a down payment equal to 4 EMIs. You need to select the scheme type as 12x4 (4 EMI Down payment, 8 EMIs). Here, from a total of 12 EMIs you will have to pay 4 EMIs as the down payment and the remaining 8 EMIs as the regular monthly instalments.

By this calculation, you will have to pay Rs. 13,625/- as the down payment and your EMI will be Rs. 3,406/- for a tenure of 8 months.

Do I have the option to select zero down payment on the EMI Network Calculator?

Check your favourite product on Bajaj Mall and if falls under a zero down payment scheme. This is offered on select products.

If it does, you can certainly select 8x0 as your scheme type when using the calculator.

How can I reduce my EMI amount?

Yes, you can reduce your EMI amount by selecting a longer repayment tenure.

Does the debt-to-income ratio affect my chances of availing of an Insta EMI Card?

Yes, a high debt-to-income ratio may impact your eligibility, as it reflects your repayment capacity and ongoing financial obligations.

What is included in monthly EMI?

Each EMI includes a portion of the principal loan amount and the interest charged on it, divided equally over the selected repayment tenure.

What is the maximum tenure of EMI?

The maximum tenure for EMI using the Insta EMI Card can go up to 24 months, depending on the product and offer terms.

What are the charges included in monthly EMI for Insta EMI Card?

Monthly EMIs may include the product cost, processing fee (if applicable), and interest component, if not under a Easy EMI plan.

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