Estimate your monthly personal loan payments easily and plan your finances with clarity before you borrow.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how much you can borrow, and how the repayment splits between principal and interest.
Monthly EMI (₹) for a ₹1 lakh loan at different interest rates and tenures. Multiply by your loan amount in lakhs for your EMI estimate.
| Interest Rate | 1 Year | 2 Years | Popular Tenure3 Years | 4 Years | Lowest EMI5 Years |
|---|---|---|---|---|---|
| 10% p.a. | ₹8,792 | ₹4,614 | ₹3,227 | ₹2,536 | ₹2,125 |
| 11% p.a. | ₹8,838 | ₹4,661 | ₹3,274 | ₹2,585 | ₹2,174 |
| 12% p.a. | ₹8,885 | ₹4,707 | ₹3,321 | ₹2,633 | ₹2,224 |
| 13% p.a. | ₹8,932 | ₹4,754 | ₹3,369 | ₹2,683 | ₹2,275 |
| 14% p.a. | ₹8,979 | ₹4,801 | ₹3,418 | ₹2,733 | ₹2,327 |
At Glance
₹2,125
Lowest monthly EMI shown (5 Years @ 10%)
₹3,227
EMI at 10% for 3 Years (per ₹1 lakh)
₹3,418
EMI at 14% for 3 Years (per ₹1 lakh)
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Turn your dream home into reality.
Drive your new car home today.
Protect what matters most.
Grow your wealth over time.
Turn your dream home into reality.
Drive your new car home today.
Protect what matters most.
Grow your wealth over time.
Explore a wide range of banking products tailored to your financial needs, with competitive rates, flexible terms, and expert guidance to help you make smarter financial decisions.
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Understand the key factors lenders consider and take practical steps to strengthen your loan eligibility and improve your chances of approval.
Read More: How to Improve Your Overall Loan Eligibility
A Personal Loan EMI Calculator is a simple online tool that helps you estimate the monthly instalment you may need to pay on a personal loan. By entering the loan amount, interest rate and loan tenure, you can get an approximate EMI along with the total interest payable and overall repayment amount.
It helps you understand the financial commitment before applying for a loan, compare different loan scenarios and choose a repayment plan that fits your monthly budget.
Personal Loan EMI (Equated Monthly Instalment) is the fixed amount you generally pay every month towards repaying your personal loan.
Each EMI consists of two components:
Principal: The portion that reduces the original loan amount.
Interest: The cost charged by the lender for providing the loan.
The proportion of principal and interest changes over the loan tenure, while the EMI may remain the same for a fixed-rate loan.
In simple terms:
Personal Loan EMI = Principal Repayment + Interest
Personal loan EMI is generally calculated using the standard EMI formula:
EMI = P × R × (1 + R)ⁿ / [(1 + R)ⁿ - 1]……
