Personal Loan EMI Calculator

Calculate EMI for personal loans with interest and cost analysis.

Loan Amount (₹)

Typically ₹50,000 to ₹40,00,000

Interest Rate: 12% p.a.

8%24%

Personal loan rates: 10-24% typically

Loan Tenure: 3 years

1 year7 years

Loan Duration

3 years 0 months

(36 EMI payments)

Monthly EMI

₹16,607

Loan Amount

₹5.00 L

Total Interest

₹97,858

Processing Fee

₹10,000

Total Cost

₹6.08 L

Principal Amount₹5.00 L

+ Interest (36 months @ 12%)₹97,858

+ Processing Fee (~2%)₹10,000

Total Cost₹6.08 L

Interest is 19.6% of the principal amount

Principal (83.6%)Interest (16.4%)

Month	EMI	Principal	Interest	Balance
1	₹16,607	₹11,607	₹5,000	₹4.88 L
2	₹16,607	₹11,723	₹4,884	₹4.77 L
3	₹16,607	₹11,840	₹4,767	₹4.65 L
4	₹16,607	₹11,959	₹4,648	₹4.53 L
5	₹16,607	₹12,078	₹4,529	₹4.41 L
6	₹16,607	₹12,199	₹4,408	₹4.29 L
7	₹16,607	₹12,321	₹4,286	₹4.16 L
8	₹16,607	₹12,444	₹4,163	₹4.04 L
9	₹16,607	₹12,569	₹4,038	₹3.91 L
10	₹16,607	₹12,695	₹3,913	₹3.79 L
11	₹16,607	₹12,822	₹3,786	₹3.66 L
12	₹16,607	₹12,950	₹3,657	₹3.53 L

Showing first 12 of 36 months

Personal Loan Guide