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Personal Loan EMI Calculator

Process - 1

Get Personal loan emi calculation from 10 Banks

Professional Details
Loan Amount:
Annual Income:
Process - 2
Just calculate Personal loan EMI Sample Calculations
Personal Loan Amount    Rs.
Interest Rate % Per Annum
Loan Tenure Years
Sample Results
Loan Amount
Rs. 200,000
Monthly Instalment (EMI)
Rs. 5,516
Total Interest Amount
Rs. 64,748
Total Amount (Principal + Interest)
Rs. 264,748
Year Principal Interest Balance Amount
1 Rs. 39,766 Rs. 26,426 Rs. 1,60,234
2 Rs. 45,930 Rs. 20,262 Rs. 1,14,304
3 Rs. 53,054 Rs. 13,138 Rs. 61,250
4 Rs. 61,316 Rs. 4,914 Rs. 0
Bank Name Interest Rate
Estimated EMI as Per Loan Amount
HDFC Bank 13.99% - 22.25%
Rs. 5,464 - Rs. 6,328
ICICI Bank 13.49% - 17.5%
Rs. 5,414 - Rs. 5,823
Bajaj Finserv 15.75% - 17%
Rs. 5,642 - Rs. 5,771
ING Vysya 13.75% - 18.25%
Rs. 5,440 - Rs. 5,901
Kotak 13.60% - 18%
Rs. 5,425 - Rs. 5,875

If you are looking for how much you have to pay per month for the Personal loan that you want to take

This is the right place to be –


To get the exact amount

1.You need to know your Loan amount ?

2.The rate of interest that bank is going to charge you ?

3.How long will you want to return the loan ?


If you know the above three variables , use our calculator and find the exact Emi, Total interest and the extra amount you will have to pay for the loan.


If the above is not known to use, inputs your professional details, on the basis of best Bank policies we will let you know-

1.How much Personal loan each Bank can give you.

2.What is the rate of interest the banks are going to charge you.

3.What is the net interest pay out at your end and what tenure you can take the loan.


Personal loan emi is calculated on the basis of

1.Loan amount

2.Interest rates


4.Other loan emis

5.Your work profile-Salaried or Self-employed

6.The company that work for E.g.- If you work in top 5000 companies-Banks are ready to fund more Personal loan at lower rates.

7.Your Credit History- Some Bank caps the loan amount if your credit score is low.

Other Available Calculators & Tools to Calculate EMI & Eligibility of Loans
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Prepayment Calculator Part Payment Calculator  
Disclaimer: Please note that the interest rates given here are based on the market research. To enable the comparisons certain set of data has been reorganized / restructured / tabulated .Users are advised to recheck the same with the individual companies / organizations. This site does not take any responsibility for any sudden / uninformed changes in interest rates.

268 Comments, read them below or add one
  • Ranjana Sharma      September 1, 2014 1:52 pm
    Dear Team, I need personal loan with amt of 1 lack but my salary is 9000 only and have to pay nearby emi of Rs. 1300 only. so will you let me know where I have to apply. Please do the needful on priority.
    Post Reply
    • Loan Expert      September 1, 2014 4:09 pm
      Dear Ma'am, Minimum 18000 per month salary required for personal loan in Metro cities. You have to check with the bank in which you currently hold your Salary/Saving account.
      Post Reply
    • chandu      September 1, 2014 1:46 pm
      Hi, I work in mnc company, my take home sal is 23000 per month. I have a personal of 3,18,000 and completed 12 emis by paying 7398/- monthly. I have credit card but due to financial crisis iam unable to make payments for the credit card from 2 months. Can i get another personal loan? so that i can make my credit card payment fully? regards, chandu
      Post Reply
      • Loan Expert      September 1, 2014 4:11 pm
        Dear Chandu, If your Cibil score is not below 750 so you can get a loan or you have enough income to pay emi's of both loan amounts.
        Post Reply
      • krishankumar      August 28, 2014 5:54 pm
        Post Reply
        • Loan Expert      August 28, 2014 6:05 pm
          Dear sir, Will you please let us know how much money you currently pay for both loans. According to this we will let you know that how much loan amount you can get from bank.
          Post Reply
        • tirupathi naidu      August 28, 2014 11:27 am
          dear sir, 1)hi want to apply the personal take home salary was 17000/-. how much i can receive from the banks. this amount will be used for my house construction. 2)i need house loan to construct the house in my village is it possible to apply the loan in hyderabad. 3) what steps should be taken to receive house loan from the banks.
          Post Reply
          • Loan Expert      August 28, 2014 11:51 am
            Dear Sir Minimum 18000 salary required to get a loan from any bank. You can try with the bank in which you currently hold your account. That bank offers you loan on the basis of your account stats. Yes, you can use the loan amount for whatever you want to use. Simple Steps to be taken for applying loan - Go bank branch, check the offers on your account andFill the application form and show required documents and submit with the bank
            Post Reply
          • shashank mishra      August 27, 2014 11:05 pm
            Dear sir, my net home salary is INR 48,200. what can be the maximum limit and repayment tenure for personal loan? I am also using credit card of ICICI and HDFC bank.thanks
            Post Reply
            • Loan Expert      August 28, 2014 11:48 am
              Dear sir you can get maximum loan amount of upto Rs.5 lac on the basis of your salary. Repayment tenure for 4 years.
              Post Reply

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