Personal Loan EMI Calculator
Personal loans carry higher rates than secured loans — check the real cost before you sign. Your EMI and total interest update live as you adjust the inputs.
Adjust & watch it update
Loan Details
₹
%
Tenure
Tenure Unit
yrs
Fee Type
%
₹
Monthly EMI
—
Fixed monthly payment amount
Total Interest—
Total Payable—
EAR—
Frequently asked questions
Why are personal loan rates higher?
Personal loans are unsecured — there is no collateral — so lenders price in more risk. Rates typically range from 10% to 24% depending on your credit score.
How much EMI can I afford?
A common rule: all EMIs together should stay under 40–50% of your monthly take-home income.