EMI Calculator

1Fi Finance

Purchase Details

Purchase Price

The total cost of the product or service.

₹

Down Payment0%(₹0)

0%50%100%

Cashback

One-time credit applied as cost reduction.

₹

EMI Tenure

Loan APR0%

0%6%12%

MF Expected Return16%

0%15%30%

Processing Fee

Fixed fee charged by the lender.

₹

Financial Summary

Recommended

Monthly EMI

₹5,000

for 24 months

You Save

₹41,472

vs paying upfront

Effective Cost

₹78,528

Original

₹1,20,000

Calculation Logic

Loan

Principal₹1,20,000

Rate (mo)0.000%

Interest₹0

Investment

Invested₹1,20,000

Return (p.a.)16%

Future Value₹1,61,472

Net Result

MF Gain+₹41,472

Loan Cost−₹0

Cashback+₹0

* Assumes annual compounding for MF returns and reducing balance method for loan interest.

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