Personal Loan Calculator

Quickly estimate EMI, total interest and disbursal for unsecured loans in India.

Reverse tip: Set a target EMI and fine-tune tenure or loan amount with the toggles and presets.

Inputs

Five Lakh Rupees

% p.a.

Typical unsecured rates: 11-18%.

%
Summary
Principal
₹5,00,000.00
Interest
₹1,06,491.14

Break-up over 3.0 years (36 months).

Monthly EMI₹16,846.98
Total Interest₹1,06,491.14
Total Payable₹6,06,491.14
Processing Fee₹10,000.00
Effective Disbursal₹4,90,000.00
Amortization Details

Monthly Schedule

Filter the installments by loan year for clearer tracking.

Viewing

Opening

₹5,00,000.00

Interest paid

₹56,524.88

Principal repaid

₹1,45,638.83

Closing

₹3,54,361.17

Month-wise EMI split for 36 months.
MonthOpeningInterestPrincipalClosing
1₹5,00,000.00₹5,416.67₹11,430.31₹4,88,569.69
2₹4,88,569.69₹5,292.84₹11,554.14₹4,77,015.55
3₹4,77,015.55₹5,167.67₹11,679.31₹4,65,336.25
4₹4,65,336.25₹5,041.14₹11,805.83₹4,53,530.41
5₹4,53,530.41₹4,913.25₹11,933.73₹4,41,596.68
6₹4,41,596.68₹4,783.96₹12,063.01₹4,29,533.67
7₹4,29,533.67₹4,653.28₹12,193.69₹4,17,339.98
8₹4,17,339.98₹4,521.18₹12,325.79₹4,05,014.18
9₹4,05,014.18₹4,387.65₹12,459.32₹3,92,554.86
10₹3,92,554.86₹4,252.68₹12,594.30₹3,79,960.56
11₹3,79,960.56₹4,116.24₹12,730.74₹3,67,229.83
12₹3,67,229.83₹3,978.32₹12,868.65₹3,54,361.17