Moratorium EMI Calculator
A loan moratorium pauses your EMIs — but interest never pauses. Enter your loan details to see exactly how much a payment holiday costs you, and compare the three ways lenders restructure the loan afterwards: tenure extension, EMI increase, or a lump-sum interest payment.
Amortisation: before vs after
How the repayment schedule changes under each option. Figures below use the option selected above (default: cheapest).
Original schedule
After moratorium
| # | EMI | Principal | Interest | Balance |
|---|
⚠ These figures are estimates for planning, not professional financial advice.
How moratorium interest is calculated
During the moratorium you pay nothing, but interest accrues on the outstanding principal every month. Most Indian lenders quote it as simple interest, then capitalise it — add it to your principal — when repayments resume:
That capitalised interest then earns further interest through the normal reducing-balance EMI schedule, so the true cost of a moratorium is always larger than the quoted moratorium interest figure. The three lender options afterwards:
- Tenure extension — same EMI, loan runs longer. Easiest on cash flow, costliest overall.
- EMI increase — same end date, higher EMI on the capitalised balance. Middle ground.
- Lump-sum interest — pay the accrued interest at moratorium end; EMI and tenure unchanged. Cheapest, if your lender allows it.
Frequently asked questions
⚠ Answers are illustrative estimates for planning — not professional financial advice.
Does interest keep accruing during a loan moratorium?
Is it better to extend tenure or increase EMI after a moratorium?
Can I just pay the accrued moratorium interest as a lump sum?
How is moratorium interest calculated?
Does a loan moratorium affect my credit score?
How much does a 3-month moratorium cost on a ₹2 lakh personal loan at 14%?
Free tool by NRTechStudio