Personal Loan EMI Calculator
Inputs
₹
₹ 25K
₹ 5L
₹ 10L
₹ 20L
₹ 50L
%
9%
12%
15%
18%
21%
28%
1 year
2 years
3 years
4 years
5 years
6 years
7 years
The estimate adds 18% GST to the entered fee. Lender charges may differ.
%
Personal loans: These are generally unsecured. Rates and eligibility depend on your credit profile and lender; compare the total cost and terms.
Monthly EMI
—
/ month
Total
—
Loan principal
₹ 5,00,000
—
Total interest payable
—
—
Total repayment (principal + interest)
—
Loan principal:
₹ 5,00,000
Processing fee (entered rate + 18% GST):
₹ 8,850
Estimated net disbursed:
₹ 4,91,150
Total cost (principal + interest + fee):
—
Annual payments and outstanding balance
Annual principal and interest paid, and remaining loan balance
Principal
Interest
Outstanding balance
Loan repayment schedule
Select a year to view monthly details.
| Year / month | Opening balance | Principal (A) | Interest (B) | Total payment (A+B) | Closing balance | Principal repaid |
|---|
Key assumptions
- EMI uses a constant interest rate and monthly reducing balance.
- Processing fees are deducted from disbursement and include an assumed 18% GST; rates and other charges vary by lender.
- Foreclosure and prepayment charges depend on lender terms and are not included.