Personal Loan EMI Calculator
Calculate your personal loan EMI, total interest payable, and full repayment schedule instantly. No collateral, no complexity — just clear numbers.
• EMI is calculated using reducing balance method.
• Interest rate is assumed constant.
• Actual loan terms may vary by lender.
Monthly EMI
₹ 11,377
Principal
₹ 5,00,000
Total Interest
₹ 1,82,592
Total Amount Payable
₹ 6,82,592
Schedule showing EMI payments starting from
January 2026
EMI Payment & Balance Over Time
| Year | Principal (A) | Interest (B) | Total Payment (A + B) | Balance | Loan Paid % |
|---|---|---|---|---|---|
| ⊞ 2026 | ₹ 75,937 | ₹ 60,581 | ₹ 1,36,518 | ₹ 4,24,063 | 15.19% |
| ⊞ 2027 | ₹ 86,419 | ₹ 50,099 | ₹ 1,36,518 | ₹ 3,37,643 | 32.47% |
| ⊞ 2028 | ₹ 98,348 | ₹ 38,170 | ₹ 1,36,518 | ₹ 2,39,295 | 52.14% |
| ⊞ 2029 | ₹ 1,11,923 | ₹ 24,595 | ₹ 1,36,518 | ₹ 1,27,372 | 74.53% |
| ⊞ 2030 | ₹ 1,27,372 | ₹ 9,146 | ₹ 1,36,518 | ₹ 0 | 100.00% |
A Personal Loan EMI Calculator helps you plan your monthly repayment before you borrow. Unlike home or car loans, personal loans are unsecured — meaning no asset is pledged — which is why interest rates are typically higher.
Use this calculator to compare different combinations of loan amount, tenure, and interest rate. A shorter tenure means higher EMI but significantly lower total interest paid.
Tip: Always compare personal loan offers from multiple banks and NBFCs. Even a 1–2% difference in interest rate can save thousands of rupees over the loan tenure.
You can also use our Home Loan EMI Calculator or Car Loan EMI Calculator for other loan types.