EMI holiday impact
Moratorium Calculator
See how much a loan moratorium adds to your interest cost, and the new EMI or tenure afterward.
Formula
During the moratorium, unpaid interest accrues monthly and is added to the outstanding principal. The EMI is then recalculated on this larger principal, either over a longer tenure or at a higher instalment.
About this calculator
A moratorium (EMI holiday) doesn't freeze your loan — it postpones payment while interest keeps accruing, so it genuinely increases your total cost. Use it only when you have no alternative, and resume payments as soon as you can.