Personal Loan EMI Calculator
Calculate monthly personal loan EMI repayments and interest outgo for any tenure up to 5 years.
Personal Loan EMI Details
Illustrative 12.5% annual rate by default; replace it with the lender's quoted APR.
EMI Summary
Monthly EMI₹11,249
Principal Amount₹5,00,000
Total Interest Payable₹1,74,938
Total Amount Payable₹6,74,938
Monthly EMI is rounded to the nearest rupee for display. Total repayment uses the precise unrounded EMI; the final schedule instalment absorbs rounding so principal is repaid exactly.
Principal (74.1%) Interest (25.9%)
Amortization Schedule (Annual Checkpoints)
| Month | Opening Balance | EMI | Principal | Interest | Closing Balance |
|---|---|---|---|---|---|
| Month 1 | ₹5,00,000 | ₹11,249 | ₹6,041 | ₹5,208 | ₹4,93,959 |
| Month 12 | ₹4,29,982 | ₹11,249 | ₹6,770 | ₹4,479 | ₹4,23,212 |
| Month 24 | ₹3,43,922 | ₹11,249 | ₹7,666 | ₹3,583 | ₹3,36,256 |
| Month 36 | ₹2,46,467 | ₹11,249 | ₹8,682 | ₹2,567 | ₹2,37,785 |
| Month 48 | ₹1,36,106 | ₹11,249 | ₹9,831 | ₹1,418 | ₹1,26,275 |
| Month 60 | ₹11,132 | ₹11,248 | ₹11,132 | ₹116 | ₹0 |
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Frequently Asked Questions (FAQs)
Most personal loans are unsecured, so pricing can reflect higher credit risk. Actual annual percentage rate, fees and tenure vary widely by lender and borrower; use the current key-facts statement.