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Personal Loan EMI Calculator

Q: What is a good interest rate for a personal loan?

Personal loan rates in India typically range from 10% to 24% per annum depending on your credit score, income and lender.

Q: How can I lower my personal loan EMI?

Choose a longer tenure, negotiate a lower interest rate, or borrow a smaller amount. A longer tenure lowers EMI but increases total interest.

Find the monthly EMI, total interest and repayment schedule for your personal loan. Adjust the amount, interest rate and tenure to plan repayment that fits your budget.

Loan Amount

Interest Rate (% p.a.)

Tenure (years)

Monthly EMI

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Total Interest

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Total Payment

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Outstanding balance over time

View year-wise amortization schedule

Year	Principal Paid	Interest Paid	Balance

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Frequently Asked Questions

What is a good interest rate for a personal loan?

Personal loan rates in India usually range from 10% to 24% per annum, depending on your credit score, income and lender.

How can I lower my personal loan EMI?

Choose a longer tenure, negotiate a lower rate, or borrow less. A longer tenure lowers EMI but raises total interest.