Question: I have a ₹20,00,000 home loan at 10% per annum reducing balance, for 20 years, paid monthly. What will be the interest and principal split specifically in my 61st EMI (the first instalment of year 6)?
Answer: EMI ≈ ₹19,300. Of the 61st instalment, approximately ₹14,967 is interest and approximately ₹4,333 is principal.

Supporting evidence:
title: Inline formula / method note
quote: Standard loan amortization schedule methodology
context: Standard loan amortization schedule methodology.