Instant Personal Loan Calculator
💳 Personal Loan —
Instant EMI Calculator
Calculate personal loan EMI for any amount from ₹10K to ₹50 lakhs.
10.5–24%Rate Range
Up to ₹50LMax Amount
InstantApproval possible
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Personal Loan Details
₹ 300,000
₹10K₹50L
₹
14.0%
10%36%
% p.a.
3 Years
1 yr7 yrs
Years
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Year-wise Amortization| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance |
|---|
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Loan SummaryMonthly EMI
₹ —
Loan Amount
₹ —
Total Interest
₹ —
Total Payable
₹ —
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Frequently Asked QuestionsPersonal loan rate in 2025?+
10.5%–24% depending on CIBIL score, employer, and lender. 750+ CIBIL score = best rates.
Max personal loan amount?+
Most banks: up to 20–25× monthly salary. Max typically ₹50L for salaried.
How quickly can I get a loan?+
Pre-approved offers: same day. Online NBFCs: 24–48 hrs. Traditional banks: 3–7 days.
Personal loan vs credit card?+
For amounts >₹50K, personal loan (11–18%) is cheaper than credit card (36–42% APR).
Prepayment penalty?+
Most banks: 2–5% of outstanding principal. Some offer zero prepayment after 6–12 months.
⚠️ EMI figures are estimates for planning purposes only. Actual EMI may vary based on bank processing fees and charges. Always confirm with your lender.