I am looking to work out a strategy for repaying my gold loans.I have two golad loans one at SBI(Rs 84000) and another at Union Bank (rs 50000) both for 7% interest in the interest subvention scheme(Interest may fall to 4% after subvention if re payed promptly). I am looking for a way to calculate the interest rate and replay the loan as EMI. Please suggest me a way to calculate emi and repayment schedule