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

₹2,813

for 48 months

You Save

₹1,17,436

vs paying upfront

Effective Cost

₹17,564

Original

₹1,35,000

Calculation Logic

Loan

Principal₹1,35,000

Rate (mo)0.000%

Interest₹0

Investment

Invested₹1,35,000

Return (p.a.)16%

Future Value₹2,44,436

Net Result

MF Gain+₹1,09,436

Loan Cost−₹0

Cashback+₹8,000

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

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