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Tools & calculators

Personal Loan EMI Calculator

Estimate your personal loan EMI and total cost across different tenures.

₹10,000 to ₹50 lakh
0% to 36%
Tenure unit
1 yr7 yr
Add fees (optional)

Enter only fees you know about. They are shown separately and do not change the EMI.

Results

Your monthly EMI

₹16,607

Principal amount
₹5,00,000
Total interest
₹97,858
Total repayment
₹5,97,858
Want to explore this scenario?We’ll attach these results to your enquiry, so you won’t need to re-enter anything.

  • Calculated on a reducing balance with a fixed annual rate of 12% for 3 years.
  • Processing fees, GST, insurance and other charges are excluded unless you add them.
  • Results are illustrative. Actual rates, EMI and eligibility are decided by the lender.
View amortisation schedule
Repayment schedule by year. Expand a year to see monthly rows.
Period Opening balance Principal Interest Instalments Closing balance
₹5,00,000 ₹1,47,208 ₹52,078 ₹1,99,286 ₹3,52,792
₹3,52,792 ₹1,65,877 ₹33,408 ₹1,99,286 ₹1,86,915
₹1,86,915 ₹1,86,915 ₹12,371 ₹1,99,286 ₹0

The default rate is an example for illustration only and is not a quoted rate. Results exclude fees and taxes unless entered. The lender decides your actual terms.

Next step

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Send us your requirement and we’ll include the values from this calculator, so our team understands what you’re planning.

Learn more about personal loans

Personal loans are usually unsecured, which is why lenders look closely at income and credit history.

Pick a tenure where the EMI fits comfortably within your monthly budget while keeping the total interest reasonable. The calculator shows both.

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