EMI (Equated Monthly Instalment) ek fixed monthly payment hai jo loan ko principal + interest milaakar repay karne ke liye diya jata hai. EMI ka formula hum page par use karte hain: EMI = P × r × (1+r)^n / ((1+r)^n − 1).

EMI kam karne ke liye kuch options hain:
1) Tenure badhao → EMI kam hogi (par total interest zyada aayega).
2) Interest rate kam karwao (balance transfer ya negotiate).
3) Part-prepayment se principal girta hai → aage EMI/tenure dono better ho sakte hain.