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Personal Loan EMI Calculator — unsecured loan monthly payment
Calculate personal loan EMI. Unsecured loans typically have 11–18% interest. Full amortisation with total interest shown.
Inputs
₹3.00 L
₹10,000₹50.00 L
13.5%
930
3 yrs
17
Result
Monthly EMI
₹10,181
Total interest
₹66,501
Total payment
₹3.67 L
Composition
Invested
Returns
Year-by-year growth
About the Personal EMI Calculator
Personal loans are unsecured instalment loans — no collateral, higher rate, quicker approval (often 24 hours). Used for emergencies, weddings, travel, education, or debt consolidation.
Tenures: 12–72 months typical. EMIs calculated identically to home/car loans but at higher rates (11–18% vs 8–10% for home).
Watch-outs: processing fees (1–3%), mandatory insurance pitched by bank (usually decline), flat vs reducing interest (always reducing). Read the Key Facts Statement (KFS) before signing.
Personal EMI — Frequently asked questions
Unsecured — no collateral. Bank's only recovery route is legal action if you default. Lenders price this risk in. Typical rates: PSU 11–14%, private 12–18%, NBFC/fintech 15–24%.
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