Loan Moratorium Calculator

Your details

Original principal amount at the start of the loan.
Nominal annual interest rate on the loan.
%
The original number of monthly EMIs agreed with your lender.
months
Number of regular EMIs you paid before the moratorium began. Enter 0 if the moratorium applies from the very first month.
months
Number of months for which EMIs are deferred (typically 3 or 6 months).
months
Most Indian bank moratoriums in 2020 compounded the deferred interest and added it to the outstanding principal.
Choose whether you prefer to clear the debt on schedule with a larger EMI, or keep the same EMI and accept extra months.
Currency
New EMI after moratoriumLow extra cost
₹8,864

Revised monthly payment once the moratorium ends

Original EMI₹8,678
Extra interest cost₹40,116
Interest accrued during moratorium₹20,511
Balance after moratorium₹978,948
Extra months added0months
Total interest without moratorium₹1,082,776
Total interest with moratorium₹1,122,892
Interest without moratorium₹1,082,776
Interest with moratorium₹1,122,892
Extra interest cost₹40,116
Without moratorium₹1,091,454
With moratorium₹1,131,756

Extra interest: ₹40,116

  • Monthly EMI
  • Total interest

The moratorium adds 40,116 to your total interest cost.

  • You will pay an extra 20,511 in interest that accrues during the moratorium period.
  • Your EMI rises by 186 (about 2.1%) to clear the loan on the original schedule.
  • In total, the moratorium adds 40,116 to the overall interest you pay.

Next stepIf cash flow is tight now, the extend-tenure option keeps the same EMI but costs more interest overall. Compare both scenarios using the repayment mode selector.

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