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Estimate the EMI, then the total
Enter a principal, an annual rate, and a tenure. Add a processing fee if you want it in the overall cost. This uses a standard reducing-balance formula and is not a quote.
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Why a lender may show a different EMI
The monthly rate here is the annual rate divided by 12 and then by 100. When the rate is zero, the EMI is the principal divided by the number of months. Lenders can differ on the day interest starts, whether a fee is financed, how they round, and whether the last instalment is adjusted. Ask for the repayment schedule before you accept a loan.