What is EMI and how is it calculated? | By Ishan [Hindi]

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What is EMI and how is it calculated? | By Ishan [Hindi]
An equated monthly installment (EMI) is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. Equated monthly installments are used to pay off both interest and principal each month so that over a specified number of years, the loan is paid off in full.
How EMI is calculated? : The mathematical formula for calculating EMIs is: EMI = [P x R x (1+R)^N]/[(1+R)^N-1], where P stands for the loan amount or principal, R is the interest rate per month [if the interest rate per annum is 11%, then the rate of interest will be 11/(12 x 100)], and N is the number of monthly instalments.
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[@willsmith6242]

Appp jaise logo ke bje se hame basic knowledge milta hai...
Thanks lot's sir

[@susheelkumar4282]

Will Smith thanks

[@luckypawar8405]

Aap ki wajah se hme knowledge ki bhik. Nhi mangni pdti he dusro se .... thank you sir👌👌

[@navinbharat6403]

आप जैसे प्रतिभाशाली और निपुर्ण व्यक्तियों की वजह से हमें एक बेसिक और सही जानकारी प्राप्त होती है। आपके इन प्रयासों की हम तहे दिल से शुक्रिया और आभार व्यक्त करते हैं।
भगवान आपको और शक्ति, बुद्धि दे।

[@hirenn4217]

Very good

[@ANURAGRISHI]

Always correct and always Wonderful Ishan..

[@nuralommiya9399]

Hi

[@justinbeforoldsongalwaysti7422]

Thank you sir

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Hii

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[@BASICINFORMATION2]

Sir aap bahot achhe tarike se samjhate hai
👌Sir aap perfect ho

[@sangeetapaswan5347]

Thank you so much yar mene first time dekha h. Or smjh me bhi aya me ek art student hu B. A se cllg k h mene. Or me maths me puri trah se dum hu commerce mene 11th 13th me k ti but smjh me ni aya to clg B. A se kra thank you sir

[@kishumahto]

*EMI :- Equated Monthly Installment* ❤️

[@hindustantechnologyss1545]

EMI ko equated monthly installment. किसी सामान को खरीदने के बाद सामान्य मासिक किस्तों का भुगतान किया जाता है उसे यह माई कहा जाता है

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3રે

[@karanwarwade7790]

Apne ache se samjaya

[@rajendrasingh7832]

5 by by

[@shaikumar-5632]

​@@karanwarwade7790 p

[@syedraziuddin2918]

Ishan one more thing I would like to add that on total interest payable 18% GST would be charged and it will be added to the EMI. For example if the interest is ₹100 and then GST ₹18 would be divided equally in to number of EMI and added to the EMI. If there are 3 EMI then 18/3= ₹ 6 would be added to ₹ 100. So EMI interest per month would be ₹106.

[@asgarshaikh7753]

Ishan sir you are really great person

[@mukeshsinghsirka4276]

Dhanyvad bhaiya jankari dene ke liye bahutt hi jada dhanyawad main ko achaa laga aap ka video 😊 dekh ne main mare ko pura yaad ho gaya aap ka baat❤👍

[@kamranbibliophile7239]

Thank you so much sir you are very intelligent and please keep IT up 🌹💗💗👍👍👌👌

[@SunilKumar-dr8yu]

Danywad sir Apka

[@chaitanydwivedi6209]

Sir ap k samjhane ka tarika bahut achha hai

[@DamburuNachika]

Thanks for this information sir

[@manpreetkumar1135]

Thanks

[@laluji543]

Very thankful

[@hemantmendon8117]

Thanks a lot Sir. Very informative video. Love you Sir🙏

[@ganeshramrathia915]

अत्यधिक महत्वपूर्ण जानकारी
धन्यवाद सरजी

[@informationfeed3705]

Are kuch nahi hai...jab ham loan lete wo hame direct mil jata par jab chukane ke bat hote hai tab ham ek sath nahi de sakte toh Emi(monthly installment) dene ka option hai🙂

[@indianstuntmaster]

​@@rupeshsinha3259Equated Monthly Installment

[@TehreeqEmaan1996]

Aur Jo Interest rate lag raha wo kis cheez par lag raha?

[@WeeklyVlogKViewshoursago]

Bewakuf ho bhai tum😂

[@mahendra2065]

Tumne paise liye uska.​@@TehreeqEmaan1996

[@pankajjat7415]

Aur Bhai yhhe loan waqt s phle bhhi pura loan de skte hai kya

[@Mohit_sahu699]

Thanku sir aaise or achhe achhe jankari dete rahna👍👍

[@ballesingh1284]

निषाद भाई बताने के लिए बहुत-बहुत धन्यवाद मैं कल उसे नहीं कर पाता था अब मैं कर सकता हूं

[@devperkashyadav598]

Thanks ser itna aram se to koi bank wala nhi samjhata hai

[@aakashdubey7503]

Meri problem ko solve kiya aapne tq sir

[@anuragtumane5227]

Now that EMIs have come, a lot of products and services have become affordable for many people.

[@ashrafansari8262]

Ok Nissan bhai. Samgh aa gyi. Thanks

[@neerajverma4263]

Nice information sir best explain Kiya aapne. Super 👌 👌👌👌 sir

[@SultanKhan-oe4ie]

bohat hi badya video sir 5 minut mai sab samij aya

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Thank u so much sir apke video se mujhe bhot kuj Ptta lga thanku jii

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Thanks sir

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Sir aap jaise person se hi humein basic jaankari milti hai

[@Sumitkumar_abc]

jai hind bhai ji
aapki jankari sabse alag ho hoti hai bahut bahut shukriya

[@dkm8649]

Thank you sir for giving us of this knowledge

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Bahot Acchi Tarah Samjhaya Hain Bro 😃 😎 💘 And God Bless You 😎 💘

[@VikashChandra-jt6pj]

Good

[@RajibRajib777]

app ka samjhane ki tarika ....bahat achhaa

[@r.kjaiswal5782]

Staff Housing Loan ke case mein simple interest apply hota hai bank mein. How to calculate emi in that case supposing Loan amt is 4500000, simple rate of interest is 7% Loan tenure is 30 year, tenure of principle and interest ratio is 2:1
mean to say one has to pay 20 years principle and 10 year interest.

[@ishanllb]

#1.First of all calculate 45 lac with 7% EMI. Total Payment (Principal + Interest) 1,07,77,900. #2.Now divide 45 lac with 240 months (20 years tenure). Loan EMI is 18,750 For 20 years. #3.Now divide interest amount (62,77,900) with 120 months (10 Years Tenure) Loan EMI is 52,315 For 10 years. Finally total Amount is 1,07,77,900 and first 20 years EMI is 18,750 and after that 10 years EMI is 52,315 For 10 years.

[@MustakeemQureshi-xx6vh]

Thank you sir ji buhut meharbani

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Tq sir 🙏

[@rajeshverma630]

sir ap log se hi gyan ki bate pat clti hai thank you

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Thanks a lot sir...for giving information

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Thanks you sir me nahi janta tha btane ke bahut bahut dhanyebad

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Bahut hi gjb ki video thanks sir ji

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Most knowledgeable video.... Keep it up 👍👍👍

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Samjhane ka Tarika bahut bahut acha lga thank you and God bless you

[@ronjitemoran1612]

Bro aap ka vdo se soch ma hohut faida hoti han . God blessed u🙏❤

[@premg4817]

Thank you sir.
Har bar ki tarha good video.
Isliye jb b koi jankari chaiye hoti pehle apki video dhund ne ki koshish krte h.
Jb nhi milti to kisi or ki dekhni padti h jis me maza nhi ata

[@manojkumar-po3ud]

सर जानकारी देने के लिए धन्यवाद अच्छा लगता है बिडीयो और पंजाब नेशनल वेंक नेट बेकिंग ऐपस के बारे में बताना मोबाइल फोन में केसे देखें ओर trangastion entry कैसे देखे

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Bahut hi badiya bro
Apka bahut bahut dhanyawad

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Bahot acha explain kye sir maza aagya

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Bahut achha video Aap ne banaya hai

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Thanks for the idea of EMI

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Help full information sir👍

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लाजवाब है सर जी

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Ishan,you are the great youtuber

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Sr plz information credit card na ho to emi hoga

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Bohut khub Ishan Sir good

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Thanks bro

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Thanku sir 👍👌👌👌lajavab

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Thanks sirji you are so helpful for me I like your suggestion very much mera bahut bahut fayda huwa aapki video dekh thanks again aapka channel subscribe kar liya hai

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Thnku very much sir ji

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THANK U SIR, VERY GOOD VIDEO.

[@deveshgupta357]

Apki awaz ki wajah se.. Badiya samj me ata hi

[@AstroRekha]

very nice

[@salimpatel7579]

Ishanbhai salimhaji good i like but i have 1 q.for mo.loan by bajaj how cal.this type of lone pls.an.me

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thanks kucch acha mila

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bahut acha ishan bhai

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Amazing explanation

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Thank You

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Help ful video sir

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Thank You❤

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Thanks for give knowledge

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Thank you Sir🙏🙏

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Sir kadak information.
I like it ...aise hi video dalte raho.
I like it........

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Thanks bhaya❤❤❤❤🎉🎉🎉

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Very easy step to step useful video. Thax a lot Ishan Sir. Pls back to channel. I pray the god

[@sonambhutia8476]

Hi Sir , suppose if I paid 18 months as per emi n nxt amount I want to pay all together then how much I have to pay ? Same which u calculate in above or less than that ? Or it's not possible to close 3years contact?

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Bahut acche sir ji

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Bhut shi sir..

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Osm ....Information

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धन्यवाद

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Thank you sir

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Aap bahut achhi video banate Ho asal bat tu ye hai ke aap sach bolte ho bhai ishan assalamualikum

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Thanks bhai 💜

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acha video hai Thanku very mach

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It's video is very usfull we help full for emi knowlage please upload more video for just like for knowlage

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nice..understanding spech..

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Very good

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Sir your news is very good

[@sambhu835]

Request you share how to calculate Home loan remaining duration with repayment options

[@TOUR_WITHMAHESH]

Thanks bro 😊😁