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EMI (Equated Monthly Installment) is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. EMIs are used to pay off both interest and principal each month, so that over a specified number of years, the loan is paid off in full.
EMI = [P x R x (1+R)^N] / [(1+R)^N-1]
Where P = Principal loan amount, R = Monthly interest rate, N = Number of monthly installments
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