EMI Calculator
Work out your monthly instalment, total interest and repayment schedule.
Shows the base rate for members who repay on schedule.
Monthly instalment
Rs —
- PrincipalRs —
- Total interestRs —
- Total payableRs —
This is an estimate. The actual instalment, fees and approval are decided by the cooperative.
View the repayment schedule
| Month | Principal | Interest | Instalment | Balance |
|---|
Interest rates
Loan interest rate table
How your rate is decided
- Interest and instalments paid on time — the base rate below.
- Monthly interest not paid — base rate plus 3%.
- Neither interest nor instalments paid — base rate plus 4%.
- Monthly-instalment loans get a [0.75%] discount — confirm with the office.
| Loan | Base rate | Tenure |
|---|---|---|
| Agriculture & Livestock Loan | 15% | Up to 36 months |
| Trade & Business Loan | 15.75% | 36 – 72 months |
| Social Loan | 15.75% | Up to 36 months |
| Hire Purchase Loan | 15.75% | Up to 48 months |
| Housing Loan | 15.75% | 36 – 72 months |
| Education Special Loan | 14% | Up to 36 months |
| Emergency Loan | 15.75% | Up to 12 months |
| Enterprise Loan | 15% | [Confirm with the office] |
| Savings-backed Loan | — | 12 months, repaid as a lump sum |