The moratorium loan calculator is a simple tool designed to help you understand how deferring your EMIs under a moratorium affects your overall loan.
With this loan calculator with a moratorium, you can instantly view how your EMI payments or loan tenure might change and get a clear estimate before deciding to pause your instalments.
By using our EMI calculator with a moratorium, you can simulate different moratorium periods, see how interest builds up, and plan future repayments accordingly. The EMI moratorium calculator is especially helpful if you’re exploring financial relief options offered by your lender.
What Is a Moratorium on EMIs
A moratorium is a temporary deferment of EMIs for a fixed period, usually offered by lenders during financial stress situations. When you opt for a moratorium, your monthly payments are paused, but interest continues to accrue on the loan amount during the moratorium period.
In other words, the moratorium doesn’t waive your EMIs; it merely postpones them. Once the moratorium period ends, you’ll resume your regular EMIs, though your EMI amount or total loan tenure may change depending on your lender’s policies.
Why Use an EMI Calculator with Moratorium?
If you’re considering opting for a moratorium, using the moratorium calculator can help you make a better decision. Here’s why:
- Understand the Financial Impact: See how your EMI amount or tenure changes after the moratorium.
- Avoid Surprises Later: Know exactly how much interest will accumulate during the pause using the loan calculator with moratorium.
- Compare Scenarios Easily: Check results for different moratorium periods or rates easily through the moratorium calculator online.
- Plan Your Budget: Manage upcoming expenses based on revised EMIs or tenure.
Using the moratorium calculator enables you to make data-backed financial decisions rather than relying on assumptions.
Key Inputs & Factors in Moratorium EMI Calculation
The moratorium loan calculator works based on a few essential variables. Understanding them ensures you use the moratorium calculator effectively and interpret the results correctly.
1. Loan Amount
Enter the total loan amount you borrowed in the moratorium EMI calculator. The larger this figure, the more interest will accrue during the moratorium period.
2. Rate of Interest
The rate of interest which is currently being applied to your loan. A higher rate means higher accumulated interest during the moratorium.
3. Loan Tenure
This refers to your total repayment period as per the existing schedule. Taking a moratorium may either extend your tenure or slightly increase your Home Loan EMI amount after the pause.
4. EMI Payments Already Made
If you’ve already paid several EMIs, the interest impact may be lower compared to those who are early in their loan term.
5. Moratorium Period
This is the duration for which you stop making EMI payments (e.g., 3 months). Longer moratorium periods increase the interest on your balance.
6. Option Choice: Tenure or EMI Adjustment
The EMI moratorium calculator gives you two options:
- Keeping your EMI constant and extending the loan tenure, or
- Keeping your tenure fixed and increasing the EMI after the moratorium.
How to Use the Moratorium EMI Calculator
Follow these simple steps to use the moratorium calculator online:
- Enter your loan amount (the principal you borrowed) in the loan calculator with a moratorium.
- Input your rate of interest as applied by the lender.
- Add your loan tenure as per the original agreement.
- Enter the number of EMIs already paid.
- Select the moratorium period you wish to take (in months).
- Choose whether to keep your EMI or tenure unchanged.
- The EMI moratorium interest calculator will instantly show your monthly EMI, loan tenure and no. of EMIs post moratorium period, depending on your choice.
Scenario Examples Using the EMI Calculator with Moratorium
Below are examples illustrating how your EMI and loan tenure may change when you use a moratorium loan calculator or a moratorium interest calculator:
| Loan Amount (INR) |
Interest Rate |
Original Tenure |
No. of EMIs Already Paid |
Moratorium Period |
EMI (INR) |
New Tenure (Months) |
| 50,00,000 |
10% per annum |
240 |
12 |
3 months |
48,251 |
247 |
| 30,00,000 |
10% per annum |
180 |
15 |
2 months |
32,238 |
175 |
| 75,00,000 |
10% per annum |
300 |
18 |
3 months |
72,377 |
240 |
If you keep your EMI with the moratorium calculator unchanged, your loan tenure increases. If you keep your tenure unchanged, your EMI rises slightly. The moratorium loan calculator helps you visualise both outcomes before you make a decision.
Please note that the results shown by the moratorium calculator are for illustrative purposes only and may vary depending on your lender’s terms and repayment structure.
Limitations, Assumptions & Disclaimers of the Moratorium Calculator
While the EMI calculator with a moratorium gives good estimates, it’s important to keep certain factors in mind before making any financial decision:
- The loan calculator with a moratorium assumes a fixed interest rate throughout the moratorium.
- The moratorium calculator doesn’t account for any lender-specific charges or value-added services such as insurance.
- Actual results may differ depending on your lender’s internal policies and approval criteria.
- A moratorium is granted solely at the discretion of the lender and is subject to eligibility verification.
Always consult your lender before relying solely on the assumptions generated for your EMI with the moratorium calculator.
Make Informed Decisions Through The Moratorium Calculator
Using the EMI calculator with a moratorium enables you to make well-informed financial decisions by clearly illustrating how a moratorium can affect your EMI, total interest outgo, and loan tenure. Before choosing to defer your payments, it is advisable to review your repayment capacity and consult your lender to determine the most suitable option for your situation.
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