I have availed a home loan of 40 lacs from SBI @10.15% floating rate for 15 years (180 months). Initially I had given a moratorium period of 7 months but now I would like to pay in full. The concern is that SBI has calculated an EMI of 46,785. But by my calculations even if I remove the 7 month moratorium period and I calculate the EMI for remaining 173 months, it comes out to be 44,106 – still lower than the SBI number. I dont know how the number 46,785 has been calculated. Can somebody help me with this.