Repayment planning estimate

Personal Loan EMI Calculator

Apne amount, rate aur tenure se personal loan EMI aur total interest estimate karein. Shared planning examples preset ranges se aage ho sakte hain; lender limits check karein.

Personal Loan Amount

₹

₹5,00,000

₹50 K₹40 L

Presets:

Interest Rate (% p.a.)

9 %28 %

Presets:

Tenure (Years, max 5 yrs)

1 Yr5 Yr

Presets:

Monthly EMI

₹16,607

Due monthly for 36 months

Principal Amount₹5,00,000

Total Interest₹97,859

Total Amount PayablePrincipal + Total Interest

₹5,97,852

Monthly EMI₹16,607

Principal Amount

₹5,00,000(84%)

Total Interest

₹97,859(16%)

Smart Borrowing Insights

See how extending tenure drastically balloons the interest cost of unsecured loans.

Tenure	Monthly EMI	Total Interest	Total Payment	Interest Outgo %

Tenure Impact

Chhota tenure monthly EMI badhata hai par total interest bahut kam kar deta hai. 2 saal ke loan me 5 saal ke mukable lagbhag 60% kam interest lagta hai.

CIBIL 750+ Advantage

750+ CIBIL score hone par aapko 2% se 4% tak lower interest rate mil sakta hai, jo poore loan me thousands bachata hai.

Foreclosure Caution

Personal loans jaldi close karne par 2-5% foreclosure penalty lag sakti hai. Bank ke lock-in terms pehle zaroor check karein.

Prepayment SimulatorOptional

Dekhein kaise extra prepayment karne se aapka interest aur loan tenure tezi se kam hota hai.

Prepayment Mode

Tenure Reduction (Max Savings)Keep EMI constant; loan closes early

EMI Reduction (Lower Monthly EMI)Keep tenure fixed; reduce monthly burden

Lump-Sum PrepaymentOne-time

Prepayment Amount (₹)

₹

Prepayment Month

Recurring PrepaymentOngoing

Recurring Amount (₹)

₹

Frequency

Starting Month

Total Interest Saved:₹0

Tenure Kam Hua:0 Months

Amortization Schedule

Click any year row to view individual monthly principal & interest allocations.

Year	Opening Balance	Principal Paid	Interest Paid	Prepayment	Closing Balance
Calculate loan parameters to generate yearly and monthly amortization schedule.

Loan options dekhein

Catalogue examples aur source-linked reviews padhein. Rates aur eligibility har lender se check karni hongi.

Is amount ke liye loans dekhein Planning examples compare karein

Amount aur tenure aage jayenge. Comparison ki apni input limits aur borrower-profile assumptions hain; wahan edit karein.

Frequently Asked Questions

India me personal loan ke liye maximum tenure kitna hota hai?

Zyadatar Indian banks aur NBFCs personal loans 12 months (1 year) se lekar 60 months (5 years) ke tenure ke liye dete hain. Kuch PSU banks government employees ko 7 years tak offer karte hain.

Kya personal loan ko early foreclose ya prepay kiya ja sakta hai?

Haan, par floating home loan ke opposite, personal loans par outstanding balance par 2% se 5% + GST tak foreclosure charges lagte hain, aur isme normally 6-12 months ka initial lock-in period hota hai.

Personal loan interest rate total repayment outgo par kaise impact daalti hai?

Personal loans unsecured hote hain aur interest rates higher (10.5% to 24%) rehte hain. Agar aap 14% rate par 5 saal ke liye loan lete hain toh total repayment ka lagbhag 30% se zyada hissa sirf interest me nikal jata hai.