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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.

287 Comments, read them below or add one
  • pratap singh bhati      October 21, 2014 7:45 pm
    please show axis bank policy about personal loan & their rate of intersrt
    Post Reply
    • Momin      October 16, 2014 9:13 pm
      Sir,,i have 31000 salary inhand,and i want take just 1 lac personal loan,wo how much interest will be, and how much years i can take tenure for return it.
      Post Reply
      • Loan Expert      October 17, 2014 6:20 pm
        Dear Sir, You can easily get a loan amount of 1 lac for maximum 3 years, Interest rates depends on job profile, income status, City in which you live etc. Overall Interest rates starts from 12.99% to 22%.
        Post Reply
        • rajni kant kumar      October 19, 2014 11:06 am
          i want personal loan 1.5 lacs my take home salary 22000/- and have work exprience 6 yrs
          Post Reply
      • Vellingiri      October 15, 2014 9:06 am
        Dear sir i am vellingiri working in coimbatore , my CTC is 10,650 and my net salary is 8,700 rs its possible to can i get a personalloan
        Post Reply
        • Sadhana      October 16, 2014 5:47 pm
          Dear sir, Minimum 12000 per month salary required for personal loan.
          Post Reply
        • Deepanjan Chakravorty      October 14, 2014 4:17 pm
          I am looking for a loan of 4-5Lacs in the month of Jan/Feb 2015. I am a permanent employee of Wipro Technologies. My net income per month is 40K+. My gross annual CTC is 5.9LPA. I am looking for 5yrs loan. I am not having any other EMI running at this point of time. What is the minmum emi in the market?
          Post Reply
          • Lokesh      October 16, 2014 5:49 pm
            Dear Sir, Interest rates depends on market situation If RBI changed in Norms so Interest rate may be rise or cut. At present 12.99% rate of interest is lowest offering on personal loans. As per your salary you are eligible for 4.5 lac of loan amount for 4 years. So When you want to get loan please come to us and get best & lowest rates through Thanks
            Post Reply
          • Sai Sankar Nallapaneni      October 10, 2014 2:32 pm
            Hi, I am Sai Sankar and my monthly income is around 43K to 45K. I have a credit card with limit 30,000 I am an outstanding Credit Card amount needs to be paid is 14,000 now. I wanted to get a personal loan of 2lakhs, for 2 years of time. Can you please let me know am i eligible for taking the loan. I have a total of 3 years of work experience. Please let me know. Thanks.
            Post Reply
            • Loan Expert      October 13, 2014 5:39 pm
              Dear Sir, You can easily get a loan amount of Rs.2 lac for 20 years or 3 years tenure. For Apply or Know more about Eligibility factors - Visit at
              Post Reply

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