Loan Moratorium & Subsidy EMI Calculator

Loan simulator with moratorium and subsidy

A loan moratorium is a period at the start of a loan when instalments are paused; interest still accrues and is either paid monthly or added to the balance.

Model a business loan with a moratorium, capitalized or serviced interest, an upfront subsidy and fees, and see the EMI and schedule. Runs in your browser.

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Last reviewed 30 Oct 2026

Financed amount₹85,00,000.00

Subsidy₹15,00,000.00

Moratorium interest₹4,56,126.36

Post-moratorium EMI₹2,08,822.77

Total interest₹27,76,429.86

Loan schedule

Period	Phase	Opening	Payment	Principal	Interest	Closing
1	moratorium	₹85,00,000.00	₹0.00	₹0.00	₹74,375.00	₹85,74,375.00
2	moratorium	₹85,74,375.00	₹0.00	₹0.00	₹75,025.78	₹86,49,400.78
3	moratorium	₹86,49,400.78	₹0.00	₹0.00	₹75,682.26	₹87,25,083.04
4	moratorium	₹87,25,083.04	₹0.00	₹0.00	₹76,344.48	₹88,01,427.52
5	moratorium	₹88,01,427.52	₹0.00	₹0.00	₹77,012.49	₹88,78,440.01
6	moratorium	₹88,78,440.01	₹0.00	₹0.00	₹77,686.35	₹89,56,126.36
7	repayment	₹89,56,126.36	₹2,08,822.77	₹1,30,456.66	₹78,366.11	₹88,25,669.70
8	repayment	₹88,25,669.70	₹2,08,822.77	₹1,31,598.16	₹77,224.61	₹86,94,071.54
9	repayment	₹86,94,071.54	₹2,08,822.77	₹1,32,749.64	₹76,073.13	₹85,61,321.90
10	repayment	₹85,61,321.90	₹2,08,822.77	₹1,33,911.20	₹74,911.57	₹84,27,410.70
11	repayment	₹84,27,410.70	₹2,08,822.77	₹1,35,082.93	₹73,739.84	₹82,92,327.77
12	repayment	₹82,92,327.77	₹2,08,822.77	₹1,36,264.90	₹72,557.87	₹81,56,062.87
13	repayment	₹81,56,062.87	₹2,08,822.77	₹1,37,457.22	₹71,365.55	₹80,18,605.65
14	repayment	₹80,18,605.65	₹2,08,822.77	₹1,38,659.97	₹70,162.80	₹78,79,945.68
15	repayment	₹78,79,945.68	₹2,08,822.77	₹1,39,873.25	₹68,949.52	₹77,40,072.43
16	repayment	₹77,40,072.43	₹2,08,822.77	₹1,41,097.14	₹67,725.63	₹75,98,975.29
17	repayment	₹75,98,975.29	₹2,08,822.77	₹1,42,331.74	₹66,491.03	₹74,56,643.55
18	repayment	₹74,56,643.55	₹2,08,822.77	₹1,43,577.14	₹65,245.63	₹73,13,066.41
19	repayment	₹73,13,066.41	₹2,08,822.77	₹1,44,833.44	₹63,989.33	₹71,68,232.97
20	repayment	₹71,68,232.97	₹2,08,822.77	₹1,46,100.73	₹62,722.04	₹70,22,132.24
21	repayment	₹70,22,132.24	₹2,08,822.77	₹1,47,379.11	₹61,443.66	₹68,74,753.13
22	repayment	₹68,74,753.13	₹2,08,822.77	₹1,48,668.68	₹60,154.09	₹67,26,084.45
23	repayment	₹67,26,084.45	₹2,08,822.77	₹1,49,969.53	₹58,853.24	₹65,76,114.92
24	repayment	₹65,76,114.92	₹2,08,822.77	₹1,51,281.76	₹57,541.01	₹64,24,833.16
25	repayment	₹64,24,833.16	₹2,08,822.77	₹1,52,605.48	₹56,217.29	₹62,72,227.68
26	repayment	₹62,72,227.68	₹2,08,822.77	₹1,53,940.78	₹54,881.99	₹61,18,286.90
27	repayment	₹61,18,286.90	₹2,08,822.77	₹1,55,287.76	₹53,535.01	₹59,62,999.14
28	repayment	₹59,62,999.14	₹2,08,822.77	₹1,56,646.53	₹52,176.24	₹58,06,352.61
29	repayment	₹58,06,352.61	₹2,08,822.77	₹1,58,017.18	₹50,805.59	₹56,48,335.43
30	repayment	₹56,48,335.43	₹2,08,822.77	₹1,59,399.83	₹49,422.94	₹54,88,935.60
31	repayment	₹54,88,935.60	₹2,08,822.77	₹1,60,794.58	₹48,028.19	₹53,28,141.02
32	repayment	₹53,28,141.02	₹2,08,822.77	₹1,62,201.54	₹46,621.23	₹51,65,939.48
33	repayment	₹51,65,939.48	₹2,08,822.77	₹1,63,620.80	₹45,201.97	₹50,02,318.68
34	repayment	₹50,02,318.68	₹2,08,822.77	₹1,65,052.48	₹43,770.29	₹48,37,266.20
35	repayment	₹48,37,266.20	₹2,08,822.77	₹1,66,496.69	₹42,326.08	₹46,70,769.51
36	repayment	₹46,70,769.51	₹2,08,822.77	₹1,67,953.54	₹40,869.23	₹45,02,815.97
37	repayment	₹45,02,815.97	₹2,08,822.77	₹1,69,423.13	₹39,399.64	₹43,33,392.84
38	repayment	₹43,33,392.84	₹2,08,822.77	₹1,70,905.58	₹37,917.19	₹41,62,487.26
39	repayment	₹41,62,487.26	₹2,08,822.77	₹1,72,401.01	₹36,421.76	₹39,90,086.25
40	repayment	₹39,90,086.25	₹2,08,822.77	₹1,73,909.52	₹34,913.25	₹38,16,176.73
41	repayment	₹38,16,176.73	₹2,08,822.77	₹1,75,431.22	₹33,391.55	₹36,40,745.51
42	repayment	₹36,40,745.51	₹2,08,822.77	₹1,76,966.25	₹31,856.52	₹34,63,779.26
43	repayment	₹34,63,779.26	₹2,08,822.77	₹1,78,514.70	₹30,308.07	₹32,85,264.56
44	repayment	₹32,85,264.56	₹2,08,822.77	₹1,80,076.71	₹28,746.06	₹31,05,187.85
45	repayment	₹31,05,187.85	₹2,08,822.77	₹1,81,652.38	₹27,170.39	₹29,23,535.47
46	repayment	₹29,23,535.47	₹2,08,822.77	₹1,83,241.83	₹25,580.94	₹27,40,293.64
47	repayment	₹27,40,293.64	₹2,08,822.77	₹1,84,845.20	₹23,977.57	₹25,55,448.44
48	repayment	₹25,55,448.44	₹2,08,822.77	₹1,86,462.60	₹22,360.17	₹23,68,985.84
49	repayment	₹23,68,985.84	₹2,08,822.77	₹1,88,094.14	₹20,728.63	₹21,80,891.70
50	repayment	₹21,80,891.70	₹2,08,822.77	₹1,89,739.97	₹19,082.80	₹19,91,151.73
51	repayment	₹19,91,151.73	₹2,08,822.77	₹1,91,400.19	₹17,422.58	₹17,99,751.54
52	repayment	₹17,99,751.54	₹2,08,822.77	₹1,93,074.94	₹15,747.83	₹16,06,676.60
53	repayment	₹16,06,676.60	₹2,08,822.77	₹1,94,764.35	₹14,058.42	₹14,11,912.25
54	repayment	₹14,11,912.25	₹2,08,822.77	₹1,96,468.54	₹12,354.23	₹12,15,443.71
55	repayment	₹12,15,443.71	₹2,08,822.77	₹1,98,187.64	₹10,635.13	₹10,17,256.07
56	repayment	₹10,17,256.07	₹2,08,822.77	₹1,99,921.78	₹8,900.99	₹8,17,334.29
57	repayment	₹8,17,334.29	₹2,08,822.77	₹2,01,671.09	₹7,151.68	₹6,15,663.20
58	repayment	₹6,15,663.20	₹2,08,822.77	₹2,03,435.72	₹5,387.05	₹4,12,227.48
59	repayment	₹4,12,227.48	₹2,08,822.77	₹2,05,215.78	₹3,606.99	₹2,07,011.70
60	repayment	₹2,07,011.70	₹2,08,823.05	₹2,07,011.70	₹1,811.35	₹0.00

Sanctioned amount: ₹1,00,00,000.00
Subsidy: ₹15,00,000.00
Financed amount: ₹85,00,000.00
Moratorium interest: ₹4,56,126.36
Post-moratorium EMI: ₹2,08,822.77
Total interest: ₹27,76,429.86
Total payment: ₹1,13,01,429.86

Sanctioned amount: ₹1,00,00,000.00 Subsidy: ₹15,00,000.00 Financed amount: ₹85,00,000.00 Moratorium interest: ₹4,56,126.36 Post-moratorium EMI: ₹2,08,822.77 Total interest: ₹27,76,429.86 Total payment: ₹1,13,01,429.86

How to use it

Enter the sanctioned amount, annual interest rate percent, and tenure in months or years.

Set the moratorium months and choose whether moratorium interest is capitalized or serviced monthly.

Add the subsidy percent, subsidy cap, and upfront fee if your scheme includes them.

Review the post-moratorium EMI and the amortization schedule, then copy, download, or print the result.

Questions

What happens to interest during the moratorium?

You choose. Capitalize interest adds each month's accrued interest to the balance, so the EMI after the moratorium is computed on the larger amount; service interest monthly pays the interest as it accrues and keeps the balance unchanged.

How is the subsidy applied?

The subsidy percent of the sanctioned amount, limited by the subsidy cap, is deducted upfront, and the EMI and schedule are computed on the remaining financed amount.

Is my loan data sent anywhere?

No. The simulation runs entirely in your browser and nothing is uploaded. The on-screen table previews the first 60 periods of the schedule; the copied and downloaded result contains the summary figures rather than the full schedule.

Does a moratorium make a loan cheaper?

No. A moratorium delays repayment but interest keeps accruing. If that interest is capitalized, the balance after the moratorium is larger, so the EMI and total interest are higher than for the same loan without one.

Loan simulator with moratorium and subsidy

Inputs

Result

Loan schedule

How to use it

Questions

Loan simulator with moratorium and subsidy

Inputs

Result

Loan schedule

How to use it

Questions

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