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Personal Loan EMI Calculator

↻ Updated 2026

Enter a loan amount, interest rate and tenure to see your monthly EMI, total interest, total payment and how the outstanding balance falls over the loan. Runs entirely in your browser.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Loan amount

Interest rate (p.a.)

Personal loan rates typically run 10.5–24%

Tenure

36 months

Monthly EMI

₹16,369

for 3 yr

Total interest

₹89,297

18% of principal

Total payment

₹5,89,297

on ₹5,00,000 borrowed

Outstanding balance3 yr

todaypaid off

Principal vs interest

Principal₹5,00,000

Interest₹89,297

ASSUMPTIONS — EMI is computed on a reducing-balance basis for a fixed-rate loan of ₹5,00,000 at 11% p.a. over 36 months, with interest accruing monthly at rate ÷ 12. Processing fees, GST, insurance and any prepayment charges are excluded. Rates shown are indicative — your actual rate depends on the lender, credit score and profile.

Runs entirely in your browser — nothing you enter is sent to us.How this works

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Sources & rate references

·EMI = reducing-balance amortization; rates indicative

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.