EMI என்றால் என்ன? EMI கணக்கிடுவது எப்படி? How to calculate EMI?

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  • Опубликовано: 21 ноя 2024
  • In this video, We have explained how EMI is calculated. What are the components of EMI. As a financially sound person, what should one do.
    Download EMI calculator - docs.google.co...
    Download instructions:
    1) Click the link
    2) Go to File
    3) Click download as Microsoft Excel
    Note: DO NOT TRY TO EDIT IN BROWSER AND ASK FOR ACCESS REQUEST

Комментарии • 158

  • @MrSnakediamond
    @MrSnakediamond 2 года назад +35

    ரொம்ப தெளிவா வகுப்பரையில படித்ததுபோல் இருந்தது சகோதரா நன்றி! வாழ்த்துக்கள்!!

  • @gopalshanmugam610
    @gopalshanmugam610 Год назад +4

    Very good things in this video:
    1. In Tamil. Useful to our people.
    2. The pie diagram at the right side gives the demo nicely.
    3. Link to download work sheet
    4. Locking the formulae to avoid mistakes by viewers.
    Well thought out video. Congratulations.
    Keep your financial education to common people.👏👏

  • @srinidhisrinidhi2000
    @srinidhisrinidhi2000 2 месяца назад +7

    Formula pottu phone calculator la podunga Note la eluthi sollunga brother, yellaarum yen excel sheet la ye soldringa ? Onnum puriyala

  • @K7Padmanaban
    @K7Padmanaban 7 месяцев назад

    அருமையான பதிவு, தெளிவான விளக்கம் நன்றி சகோ 🙏

  • @baburajendran6951
    @baburajendran6951 9 месяцев назад

    மிக தெளிவான விளக்கம் அளித்துள்ளீர்கள் நன்றி வணக்கம்

  • @divakarsubramaniam5609
    @divakarsubramaniam5609 2 года назад +3

    மிகவும் எளிமையான விளக்கவுரையில் இருந்தது நன்றி 👏👏👏

  • @muzammilhussain5143
    @muzammilhussain5143 11 месяцев назад +2

    Sir Inda formula Android calculator la podunge

  • @murugesanjegannathan5254
    @murugesanjegannathan5254 Год назад

    ரொம்பவும் தெளிவான பதிவு. நன்றி.கிரெடிட் கார்டு பற்றி அறிய ஒரு வீடியோ தேவை.

    • @thinkingtamizha007
      @thinkingtamizha007  Год назад

      Credit Card video - ruclips.net/video/P4A7e8ROQ7E/видео.html

  • @velmurugan8312
    @velmurugan8312 Год назад

    மிக அருமையாக ,தெளிவாக சொன்னீங்க அண்ணா சூப்பர்.நன்றி அண்ணா

  • @paulpandir
    @paulpandir Год назад +10

    ரொம்ப தெளிவான வீடியோ இஎம்ஐ கால்குலேட்டர் எப்படி போடுவது என்று கொஞ்சம் சொல்லிக் கொடுத்தீங்கன்னா அதுவும் எங்களுக்கு பயனுள்ளதாக இருக்கும்

    • @sunwaaygandhi9668
      @sunwaaygandhi9668 28 дней назад

      ஃபோன் கால்குலேட்டர் ல லோன் என்ற ஆப்சன் இருக்கும் பாருங்க.அதில் போட்டு பாருங்க சார்.Mi,poco mobile la varum

    • @mohankalaiselvan256
      @mohankalaiselvan256 2 дня назад

      🎉 13:02 சூப்பர்.ஆனால்இஎம்ஐஉதாரணம்மாததவனைவட்டிஉதாரணம்கொடுக்கவம்

    • @mohankalaiselvan256
      @mohankalaiselvan256 День назад

      Thank you

  • @cheetah2108
    @cheetah2108 Год назад

    Bro semaiya solli kuduthinga tq bro

  • @vigneshvicky4088
    @vigneshvicky4088 2 года назад +9

    Bro koottravu bank loans pathi details podunga

  • @HD_FF_007
    @HD_FF_007 Год назад +1

    SUPERB SIR. THANKS FOR THE CLEAR EXPLANATIONS

  • @sribalaji85
    @sribalaji85 2 года назад +6

    PPF ku sonnapla idhu maasam ethanaam thedhikkul seluthinaal namakku aadhaayam sollunga boss. Andha ppf video semma 👌

    • @sribalaji85
      @sribalaji85 2 года назад

      Eno innum thagaval varla... Please

    • @selwyngnanaraj7804
      @selwyngnanaraj7804 Год назад

      PPF if paid before 5th of every month, it is taken for interest calculation for that month

  • @shalinishalini772
    @shalinishalini772 7 месяцев назад

    Superb explanation abt emi

  • @Francis-cj5kv
    @Francis-cj5kv Год назад

    Thank you sir. Nice video and nice excel sheet

  • @dganapathi7968
    @dganapathi7968 Год назад

    Bro super 🎉. 👌. Thanks for the valuable information.

  • @kamalakkanananvenkatesan4419
    @kamalakkanananvenkatesan4419 5 месяцев назад

    Fruitful information sir❤

  • @sagayarajs1937
    @sagayarajs1937 Год назад

    Very good information, thank you.

  • @prabhakaranshanmugam5295
    @prabhakaranshanmugam5295 8 месяцев назад

    If possible, Please post videos regarding Loans etc. Do's and Don'ts which will educate many and play a big role in personal finance and restructuring their current loans etc. Just like you provide knowledge of taxation..

    • @thinkingtamizha007
      @thinkingtamizha007  8 месяцев назад

      Already posted about personal loans, emi calculation and credit cards

  • @909kishore
    @909kishore 2 года назад +5

    Sir, Your video was very easy to understand. Thanks for that., But anyhow we need to know the concept of how to calculate EMI, total interest paid, the total amount paid, etc. Now you have provided your excel sheet for easy calculation. But to improve our EMI concept still more practically, please share the formula used in excel for calculating the values. It will be more helpful if you add this as one short video.

    • @thinkingtamizha007
      @thinkingtamizha007  2 года назад

      It is already there in video bro. watch carefully. I have explained the formula

  • @palanichamyrajamanickam6052
    @palanichamyrajamanickam6052 2 года назад +1

    Very very useful information.Thanks

  • @annamalaial6448
    @annamalaial6448 2 года назад +2

    Super explanation..Thank you very much..

  • @manisweety2485
    @manisweety2485 Год назад +1

    Very useful friends but normal calculator la solli kudunga

  • @nirmalraj8985
    @nirmalraj8985 2 года назад +1

    Very useful information sir. Thank you so much. 🙏🙏🙏🙏🙏👍👍👍👍👍💐💐💐💐💐

  • @srajasraja2055
    @srajasraja2055 2 года назад

    Super video thinks you soooooooo much like s.raja Chennai tn India 👌👌👌🙏🙏🙏👍👍👍

  • @mageshkumar7255
    @mageshkumar7255 2 года назад

    Nalla thagaval anna

  • @chatmasala6980
    @chatmasala6980 Год назад

    Superb video. Good explanation

  • @amluamlu3169
    @amluamlu3169 Год назад

    Very nice speech

  • @Rajkumar-lc2lr
    @Rajkumar-lc2lr 2 года назад +1

    Really informative video... 👏 👌 👍

  • @KathiresanKathiresan-dv4cj
    @KathiresanKathiresan-dv4cj Месяц назад

    நன்றி ஐயா

  • @ganeshv8284
    @ganeshv8284 Месяц назад

    Superb

  • @karkuzhali9046
    @karkuzhali9046 2 года назад +1

    அருமை

  • @LalithaParameshwari2020
    @LalithaParameshwari2020 Год назад

    Thanku so much for the excel.

  • @dhilip7764
    @dhilip7764 Год назад

    Thank you thalaivaa👍

  • @hellofriends733
    @hellofriends733 2 года назад

    Super 👌clear explanation.

  • @haribaskaran3046
    @haribaskaran3046 2 года назад

    I taught who will teach how to calculate EMI by manually. But you have done all process in computerised , it can even done EMI calculater app and websites.

    • @thinkingtamizha007
      @thinkingtamizha007  2 года назад

      The main idea is to show a break up of interest and principal in EMI. How it varies based on loan period. NO point in calculating manually right. And the online calculators doesnt show the breakup with in the EMI amount and its accrual

  • @ArifKhan-sm6hx
    @ArifKhan-sm6hx Год назад +2

    Sir, ஒவ்வொரு மாதமும், எவ்வளவு அசல், எவ்வளவு வட்டி என்பது எப்படி கழிக்கிறார்கள்? எத்தனை சதவீதம் அசல், எத்தனை சதவீதம் வட்டி, ஒவ்வொரு மாதமும் எந்த அடிப்படை யில் பிரிக்க படுகிறது என்பதை கூறுங்கள்.

  • @RajeshKumar-vb5fv
    @RajeshKumar-vb5fv Год назад +1

    Thanks bro....

  • @praburathinam7731
    @praburathinam7731 2 года назад

    nice video with good explanation.

  • @muthukumar8180
    @muthukumar8180 Год назад

    Very useful sir

  • @sundarraju8383
    @sundarraju8383 2 года назад

    Very nice teaching

  • @sakthivelthiru6765
    @sakthivelthiru6765 2 года назад

    Really Very nice

  • @gokulkrishnan9156
    @gokulkrishnan9156 2 года назад +2

    sir
    please do video on how to finish EMI so quick to save money

    • @swaduocutetwins1827
      @swaduocutetwins1827 2 года назад

      pl consider the trend of inflation,longer tenure may be profitable,I think.

  • @hameedsahran
    @hameedsahran Год назад +1

    Sir my credit card loan interest pathi konjam telivillamal iruku
    Ada konjam solla mudiyuma

    • @thinkingtamizha007
      @thinkingtamizha007  Год назад

      Credit cards - Things to know ruclips.net/video/P4A7e8ROQ7E/видео.html

  • @hihihi3723
    @hihihi3723 2 года назад

    Really helpful video..thank you..

  • @sureshr2968
    @sureshr2968 2 года назад +2

    There is tax levied on EMI by the government. This is ignored in the discussion. This tax component is not negligible. It is significantly high. This burden will be more if you go for short period EMI, especially very high for no cost EMI.

  • @nizarahamedkhankhaderkhan8869
    @nizarahamedkhankhaderkhan8869 2 года назад +1

    EXCEL SHEET IL MORTGAUGE TEMPLATE ULLATHU ATHI PAYANPADUTHI KOLLALAAM

  • @silambuanitta4724
    @silambuanitta4724 Год назад

    Principal Paid and interest paid calculate pannuvathu yepadi

  • @muthu9108
    @muthu9108 2 года назад

    Good information tnq....

  • @jeyakrishnan.n9276
    @jeyakrishnan.n9276 2 года назад

    thank you for your explained.

  • @chandrakalakaruthan6429
    @chandrakalakaruthan6429 8 месяцев назад

    Thank you sago

  • @akelectricalhardware1246
    @akelectricalhardware1246 Месяц назад

    Mobile normal calculator poda mutiuma

  • @velasvd9935
    @velasvd9935 11 месяцев назад

    Usefull

  • @tamilking03
    @tamilking03 2 года назад

    This method for all loan or few category

  • @iarnhere
    @iarnhere Год назад

    Bankers are too wise than us. They wont allow us to go by less tenure. Even if they accept, the loan amount is reduced drastically. You need money, you have to pay them the price. No other safer way out 😢

  • @rafi5732
    @rafi5732 2 года назад

    Bro I have loan no in icici how to check the status of it...loan was in my brother's account rbl bank 🏦 how to check the emi status and clear View of How much loan amount and Due date and Pending amount!! Please reply

  • @kamaleshand6459
    @kamaleshand6459 2 года назад

    Very informative brother 🙂👍

  • @sampathkumarradhamani2426
    @sampathkumarradhamani2426 2 года назад

    Nice sir very useful

  • @rams5474
    @rams5474 2 года назад

    Today we have Excel program. Once you master this everything is under your control.
    Set up formula and drag down as per months, all set up. It is easy to know where your loan EMI stands.
    Many years back, I happen to visit a Hire purchase Auto loan agency who put flat rate % low interest. Naturally it looks sweet but no fool will agree it is under low interest. When I asked him what is the real interest he it depends but just multiply it by 1.80 to 1.95 you get the real RBM reducing balance method which is the real interest in their books. In Excel you easily float the rate of interest to check it, a small correction will get +/- in the final EMI. Those time we issue post dated cheques. If you go to windup in the middle of term by repaying in one lumpsum then immediately their flat rate will become float rate and demand more principal.

  • @AnandRaj-nr5hh
    @AnandRaj-nr5hh 2 года назад

    Usefull thank you

  • @karthikmuthusamy1605
    @karthikmuthusamy1605 Месяц назад

    நன்றி நண்பரே 👌
    ஆனால் நான் ஒரு பத்தாயிரம் ரூபாய் லோன் எடுக்கிறேன் என்றால் அதில் நான் ஐந்து வருடம் கழித்து ஒரு ரெண்டு லட்சம் செழித்து விட்டால், என்றால் இஎம்ஐ கால்குலேஷன் கூறுங்கள்

  • @sudalaimuthum6660
    @sudalaimuthum6660 2 года назад

    Thanks for your info.

  • @psvibeesh8878
    @psvibeesh8878 2 года назад

    Nice explanation

  • @vediappans5162
    @vediappans5162 Год назад

    Thank you sir ☺️

  • @srbraj2991
    @srbraj2991 Год назад

    Hi , what is the difference between compound interest vs simple interest,, for 10L loan 7 yrs ,, how about HL 19 L for 20 yrs

  • @karthigeyansundaram5049
    @karthigeyansundaram5049 2 года назад

    Excellent

  • @prabhumaruthappan936
    @prabhumaruthappan936 8 месяцев назад +1

    முதல் 3:40 நிமிடம் 😢😢😢 வேஸ்ட், 10, 20 வினாடிகளில் கண்டென்ட் க்கு வாங்க ப்ரோ..

  • @rajugowda4294
    @rajugowda4294 Год назад

    bro ippa namma emi ya ,10,month la close pannita intrst kuraiya vaipu irukungila

  • @ganesanramasamy7093
    @ganesanramasamy7093 2 года назад

    Thanks Sir.

  • @balugkkl6216
    @balugkkl6216 2 года назад +1

    Thanks

  • @sandilyang7473
    @sandilyang7473 Год назад

    What is the no cast EMI SIR pls explain

  • @Cellular_Repairs
    @Cellular_Repairs 2 года назад

    Good Explanation Bro.. Thank you 😍

  • @swaduocutetwins1827
    @swaduocutetwins1827 2 года назад

    sir,if we consider increasing inflation (rate of increase),the long tenure of EMI will be a profitable ie.comparing the rate of increase in the inflation with the rate of interest of the loan.
    if the increase in rate of inflation is higher than the rate of interest for the loan ,then comparatively profitable. and Vice versa.

  • @saravananmahesh2426
    @saravananmahesh2426 2 года назад

    நன்றி

  • @marichamy.c1170
    @marichamy.c1170 2 года назад

    Good

  • @cschanel8236
    @cschanel8236 Год назад

    Thanks 😊

  • @FINANCIALAdvisorTGopiMCA
    @FINANCIALAdvisorTGopiMCA 2 года назад

    GOOD

  • @whitedevil78515
    @whitedevil78515 2 года назад

    EMI shoping panna Eligible age evlo bro

  • @udayasuriyans7294
    @udayasuriyans7294 2 года назад

    Thank you

  • @srikanthmadhu7078
    @srikanthmadhu7078 6 месяцев назад

    Yannaku sollungaa bro 860000 loan amount

  • @manickamvishnu7018
    @manickamvishnu7018 2 года назад

    Thankyou sir

  • @NsoundarMCA
    @NsoundarMCA 2 года назад

    Thanks bro.

  • @srinidhisrinidhi2000
    @srinidhisrinidhi2000 2 месяца назад

    Please pin My comment 📌
    Guys google ah poitu EMI calculator nu type pannunga
    First la sample details irukkum athuku bathil unga details fill pannunga pothum
    Loan Amt fill pannunga,
    Interest evlo nu fill pannunga neenga vangura bank la,
    Ethana month EMI katta poringa nu type pannunga
    Avlothaa,

  • @thanarajanj4694
    @thanarajanj4694 2 года назад

    Do the best for less emi and identify the hidden charges

  • @kumarttr4828
    @kumarttr4828 2 года назад

    I borrow 220000 monthly emi 5200/month for5years is it right.interest 12percent.

  • @venkatrman
    @venkatrman 2 года назад

    Bro. Very nice video. Suppose if I am getting a substantial amount and wish to reduce the loan amount after a period of some EMI payment,what are the best points I have to discuss with the financier.

    • @thinkingtamizha007
      @thinkingtamizha007  2 года назад

      Negotiate for part closure and reducing the emi.. they may put charges for part closure.. ask how much and negotiate to reduce it..

  • @marichamy.c1170
    @marichamy.c1170 2 года назад

    Super

  • @srbraj2991
    @srbraj2991 Год назад

    Hi shall I preclose 10 yr old HL loan taken 19L loan

  • @velp2705
    @velp2705 6 месяцев назад

    Caculatina sollunga

  • @psvibeesh8878
    @psvibeesh8878 2 года назад

    First view bro

  • @sathisha9859
    @sathisha9859 Год назад

    Sir excel sheet edit option illa sir, please able to edit option

    • @thinkingtamizha007
      @thinkingtamizha007  Год назад

      You need to download in your pc and use it., edit option is browser is not available.

  • @spalanisamy34
    @spalanisamy34 Год назад

    👍

  • @gobinathb8032
    @gobinathb8032 2 года назад

    Hi you are doing demo for fixed rate. But home loans ROI will change every quarter as per RBI. How to calculate that sir. Pls explain demo for varying ROI calculations for especially for home loans

    • @thinkingtamizha007
      @thinkingtamizha007  2 года назад

      Yes. Interest change aagum podhu, emi will be calculated based on outstanding principal

  • @pearl6756
    @pearl6756 Год назад

  • @perumalg9003
    @perumalg9003 Год назад

    தனிநபர்களின் பெறுவதுதான் கடன் தொகை பெற வாய்ப்பு?

    • @perumalg9003
      @perumalg9003 Год назад

      சரியாபுரியவில்லை

  • @mohanms3768
    @mohanms3768 2 года назад

    Sir House Loan epdi edukkanum.. Epdi effective ah loan adaikkanum nu oru video podunga 🙏

  • @Abdullah-hf9sb
    @Abdullah-hf9sb Год назад

    10.5 did not show . it turned into 11. why?

  • @divyar5279
    @divyar5279 2 года назад

    நன்றி அண்ணா...

  • @gauthamg6942
    @gauthamg6942 2 года назад

    Bro, can you please say how did you find the proprtion of amount spent on interest and principal paid i e in video EMI amt 13,215 how did you segregate 4882 towards principal and remaining towards interest?
    I like all your videos and thank you for sharing your knowledge in finance, and I had a learnt a lot from this channel

    • @thinkingtamizha007
      @thinkingtamizha007  2 года назад

      Interest= outstanding principal x interest rate/12
      Remaining amount in emi will be principal component