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a personal loan emi calculator uses an emi calculation formula to calculate your monthly instalments. the formula used is: e = p*r*(1+r)^n/((1+r)^n 1) where,. e
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formula for emi calculation is ; p x r x (1+r)^n / [(1+r)^n 1] where; p = principal loan amount ; n = loan tenure in months ; r = monthly interest rate.