Estimate your monthly EMI and quarterly installments with exact NRB reducing balance math. Plan term loans, machinery financing, working capital, and see full amortization schedules.
Corporate credit lines in Nepal frequently operate on quarterly installments.
Based on reducing balance at annual interest for .
Yearly summary and month-by-month principal & interest repayment breakdown.
| Period | Opening Balance | EMI Paid | Principal Paid | Interest Paid | Closing Balance |
|---|---|---|---|---|---|
Showing first 60 months of schedule. Use "Yearly Summary" for full multi-year totals.
ByaparOS tracks your commercial loans, auto-calculates monthly interest expense versus principal repayments, and schedules future cash outflow alerts before quarterly bank installment deadlines.
EMI (Equated Monthly Installment) is computed using the standard reducing balance formula: EMI = [P × r × (1+r)^n] / [(1+r)^n - 1], where P is Principal, r is monthly interest rate, and n is total months. Interest is calculated only on the remaining unpaid loan balance.
Nepal Rastra Bank (NRB) requires banks to publish their Base Rate quarterly. Your actual loan rate equals the Bank Base Rate plus a fixed risk premium spread (typically 1.5% to 4.5% for SME commercial loans).
Yes. Most corporate working capital, term loans, and agricultural credit lines in Nepal operate on a Quarterly Installment basis aligned with Nepali fiscal quarter ends (Ashoj, Poush, Chaitra, and Ashadh).
ByaparOS Financial Accounting tracks bank loan ledger balances, automatically splits repayment vouchers into Principal Reduction and Interest Expense, and forecasts cash flow requirements for upcoming loan installments.