How to Calculate Byaj (Interest) at “₹ per 100 per Month” — With Examples
A simple guide to calculating interest the traditional Indian way — rate per ₹100 per month, counting days, yearly compounding and part payments — with worked examples.
Loan Interest Helper
लोन कैलकुलेटर
The byaj calculator that gets the days right
Loan Calculator works the way money is actually lent across India — ROI per ₹100 per month, both dates counted, interest compounded every year. Add several loans, mark the ones you need and print the total.
LOAN CALCULATOREnglish · हिंदी
C-218
₹ 25,000
2.50
20-02-2026
13-04-2026
53 days
CalculatePrint ViewReset
| # | Loan Date | Received | Loan Amount | Days | ROI | Interest | Total | ID | ✓ |
|---|---|---|---|---|---|---|---|---|---|
| 1 | 12-01-2026 | 13-04-2026 | 50,000 | 92 | 2.00 | 3,067 | 53,067 | C-104 | ☑ |
| 2 | 05-11-2025 | 13-04-2026 | 1,00,000 | 160 | 1.50 | 8,000 | 1,08,000 | C-117 | ☑ |
| 3 | 20-02-2026 | 13-04-2026 | 25,000 | 53 | 2.50 | 1,104 | 26,104 | C-218 | ☑ |
Total Loan Amt₹1,75,000
Total Interest₹12,171
Total Amount₹1,87,171
Click a row to select · Delete key removes the selected row · Only marked rows are totalled and printed
Jewellers & girvi shopsMoney lendersTradersAccountants & CAsVillage bankersAnyone settling a loan
Features
Everything Loan Calculator does
A fast, no-fuss interest calculator for the counter — enter amount, dates and ROI, add as many loans as you like and print the total in Hindi or English.
Instant results
Type amount, loan date, receive date and ROI — duration, interest and total appear immediately.
Per ₹100 per month
The rate convention your customers understand: “2 rupaye sekda” means 2% per month.
Two day-count methods
CALENDAR uses actual days of each month; DAYS30 treats every month as 30 days (360-day year).
Yearly compounding
Interest of each completed year is added to the principal, exactly as in the traditional method.
Multiple loans
Add a row for every loan, tag it with a customer ID, select or delete rows with the keyboard.
Mark & total
Only the rows you mark are totalled and printed — perfect when a customer settles some loans and not others.
Hindi & English
Switch the interface and print between हिंदी and English.
Print view
A tidy printable report with totals and signature lines to hand to the customer.
Private by design
Calculations are done in memory on your computer. Nothing is stored online.
Screens
Take a look inside
Many loans, one screen
Add rows for every loan of a customer. Mark the ones you want and get total principal, interest and amount instantly.
LOAN CALCULATOREnglish · हिंदी
C-218
₹ 25,000
2.50
20-02-2026
13-04-2026
53 days
CalculatePrint ViewReset
| # | Loan Date | Received | Loan Amount | Days | ROI | Interest | Total | ID | ✓ |
|---|---|---|---|---|---|---|---|---|---|
| 1 | 12-01-2026 | 13-04-2026 | 50,000 | 92 | 2.00 | 3,067 | 53,067 | C-104 | ☑ |
| 2 | 05-11-2025 | 13-04-2026 | 1,00,000 | 160 | 1.50 | 8,000 | 1,08,000 | C-117 | ☑ |
| 3 | 20-02-2026 | 13-04-2026 | 25,000 | 53 | 2.50 | 1,104 | 26,104 | C-218 | ☑ |
Total Loan Amt₹1,75,000
Total Interest₹12,171
Total Amount₹1,87,171
Click a row to select · Delete key removes the selected row · Only marked rows are totalled and printed
Print in Hindi or English
A clean print view with totals and signature lines — ready to hand over to the customer.
ब्याज गणना विवरणदिनांक 13-04-2026 · ब्याज दर: प्रति ₹100 प्रति माह
| क्र. | उधार दिनांक | वापसी दिनांक | मूल राशि | दिन | दर | ब्याज | कुल |
|---|---|---|---|---|---|---|---|
| 1 | 12-01-2026 | 13-04-2026 | 50,000 | 92 | 2.00 | 3,067 | 53,067 |
| 2 | 05-11-2025 | 13-04-2026 | 1,00,000 | 160 | 1.50 | 8,000 | 1,08,000 |
| 3 | 20-02-2026 | 13-04-2026 | 25,000 | 53 | 2.50 | 1,104 | 26,104 |
| योग | 1,75,000 | 12,171 | 1,87,171 |
कुल देय राशि₹1,87,171
ग्राहक हस्ताक्षरहस्ताक्षर
Try it now
Quick byaj calculator
Same rules as the desktop app: ROI per ₹100 per month, both dates counted, yearly compounding. Change any value and the answer updates instantly.
- Calendar — every month charged by its actual days.
- 30-day month — every month is 30 days, a year is 360.
Duration—
Interest—
Total amount—
The difference
Why a “normal” EMI calculator gives the wrong answer
Online calculators assume annual rates and EMIs. But at the shop counter loans are quoted per ₹100 per month, settled in one go, and compounded yearly. Loan Calculator follows those rules exactly — and the same rules power Vyapari Khatabook, so both always agree.
- Inclusive duration: 19-04 to 18-05 is 30 days, not 29.
- No intermediate rounding: only final figures are rounded.
- 29 February handled: a leap-day loan rolls over correctly every year.
How it works
Start in three steps
Enter the loan
Amount, loan date, receive date and ROI per ₹100 per month.
Add more rows
Add every loan of the customer and mark the ones being settled.
Print the total
Open the print view in Hindi or English and hand it over.
FAQ
Loan Calculator — questions & answers
What does ROI per ₹100 per month mean?
It is the interest in rupees for every ₹100 for one month. An ROI of 2 means ₹2 per ₹100 per month — 24% a year before compounding.
Why does the duration include both dates?
In traditional lending the day the money is given and the day it is returned are both counted. The calculator follows this, so 1st to 30th of a month is 30 days.
What is the difference between CALENDAR and DAYS30?
CALENDAR charges every month by its actual number of days (28, 30 or 31). DAYS30 treats every month as 30 days and a year as 360 days. Pick the one your business uses.
Is interest compounded?
Yes, yearly. After every 12 months from the loan date, that year’s interest is added to the principal and the next year’s interest is calculated on the new amount.
Can I try the calculation online?
Yes — use the quick calculator on this page. It follows the same rules as the desktop application.
Learn more
Related guides
₹2 सैकड़ाByaj, the traditional way
30 vs 31Day-count methods
Calendar Days vs 30-Day Month: Which Interest Method Should You Use?
Two ways of counting days give two different interest figures. Learn how the calendar method and the 30-day (360-day year) method work, with examples and when to use each.
गिरवीRecords that protect you
Girvi Record Keeping for Jewellers: Best Practices That Prevent Disputes
Practical girvi (gold and silver pledge) record-keeping practices for jewellers and pawn brokers — what to record, photos, interest, part payments, release and overdue items.
Other Sahayo helpers
● Available
Credit Cooperative Helper
Society e-Banking · सोसाइटी ई-बैंकिंग
Complete core-banking software for credit cooperative societies and pat sansthas — members, deposits, loans, daily collection, interest and statutory reports.
- Members, FD, RD, saving & loan accounts
- Daily collection with mobile import/export
- Automatic interest posting & NPA classification
- General ledger, trial balance, P&L, balance sheet
● Available
Vyapari Finance Helper
Vyapari Khatabook · व्यापारी खाताबुक
The digital bahi-khata for traders who lend and borrow money on interest — party-wise loans, interest up to today, multi-loan receipts and clear ledgers.
- Party-wise loans with their own ROI
- Interest up to today — calendar or 30-day month
- One payment split across many loans
- Printable receipts and party ledgers
● Coming soon
Girvi Hisab Helper
Girvi Hisaab · गिरवी हिसाब
Girvi (pledge) management for jewellers and pawn brokers — items with weight and purity, photos, interest due, release and overdue alerts.
- Item-wise girvi with weight & purity
- Photos of every pledged item
- Interest per ₹100 per month
- Release, part-payment & overdue alerts
See Loan Calculator with your own data
Book a free demo. We will set it up with entries that look like your business, so you can judge it properly.