Personal-loan EMI for every amount
Your monthly EMI from ₹1 lakh to ₹20 lakh over 1, 3 and 5 years — and the interest you pay over 3 years.
Use your own loan| Loan | 1 year | 3 years | 5 years | Interest (3 yrs) |
|---|---|---|---|---|
| ₹1 lakh | ₹8,932 | ₹3,369 | ₹2,275 | ₹21.3K |
| ₹2 lakh | ₹17,863 | ₹6,739 | ₹4,551 | ₹42.6K |
| ₹3 lakh | ₹26,795 | ₹10,108 | ₹6,826 | ₹63.9K |
| ₹5 lakh | ₹44,659 | ₹16,847 | ₹11,377 | ₹1.06 L |
| ₹7 lakh | ₹62,522 | ₹23,586 | ₹15,927 | ₹1.49 L |
| ₹10 lakh | ₹89,317 | ₹33,694 | ₹22,753 | ₹2.13 L |
| ₹15 lakh | ₹1,33,976 | ₹50,541 | ₹34,130 | ₹3.19 L |
| ₹20 lakh | ₹1,78,635 | ₹67,388 | ₹45,506 | ₹4.26 L |
All at 13% a year, monthly reducing balance. Tap any row for the full breakdown.
Questions people ask
What is the EMI per lakh of personal loan?
At 13%, each ₹1 lakh costs about ₹3,369 a month over 3 years, ₹8,932 over 1 year and ₹2,275 over 5 years.
What decides my interest rate?
Mostly your credit score, income and employer. With a score above 750 and a large employer, rates around 10.5–12% are common; otherwise 14–18% or more.
Should I take a shorter or longer tenure?
As short as your budget comfortably allows. Personal loans are expensive, so every extra year adds a lot of interest. If money frees up later, prepaying helps — check the foreclosure charge first.
What rate are these at?
All at 13% a year, a middle-of-the-road rate for salaried borrowers. Each amount’s page shows 10.5% to 18%.