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How to calculate the EMI on your loan Money Today Team,Money Today team | Edition:October 2013 Confused if your lender is charging you a fair amount as EMI?  Money Today  tells you how to calculate your instalment so that you can cross-check that with what you have been paying per month. USING EXCEL One of the easiest ways of calculating the EMI is by using the Excel spreadsheet. In Excel, the function for calculating the EMI is PMT and not EMI. You need three variables. These are rate of interest (rate), number of periods (nper) and, lastly, the value of the loan or present value (pv). The formula which you can use in excel is: =PMT(rate,nper,pv). Let us check the EMI of Suraj by using the above formula. It must be noted that the rate used in the formula should be the monthly rate, that is, 12%/12=1% or 0.01. The number of periods represents the number of EMIs =PMT(0.12/12, 4*12, 445,000)= 11,718 The result will come in negative or red, which indicates...

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