Finance / India

Personal Loan EMI Calculator: Estimate in Rupees

Compare personal loan repayments from a ₹5 lakh, five-year starting scenario and estimate prepayment savings.

Personal Loan EMI Calculator: Estimate in Rupees: Starts with ₹5 lakh borrowed at an editable 12% rate over five years. Change the rate and term to compare unsecured-loan repayment commitments. The schedule separates principal from interest and includes optional monthly prepayments, with no processing fees or insurance. Runs 100% locally in your browser with zero server file uploads.

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Personal loan EMILocal processing

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Results are estimates. Rates, payment dates, fees and taxes can change the actual amount.

Fixed nominal rate divided by 12. Extra payments reduce the term while the scheduled EMI stays fixed. Fees and prepayment penalties are excluded.

Compare the repayment commitment before taking an unsecured loan. Processing fees and insurance can raise the borrowing cost above the quoted interest rate.

Scheduled EMI₹11,122.22
Total interest₹1,67,333.43₹1.67 lakh
Total paid₹6,67,333.43₹6.67 lakh
Months to repay60
Interest saved by prepayment₹0

Remaining loan balance

Years 1 to 5
Year 1: ₹4,22,354.88Year 2: ₹3,34,862.41Year 3: ₹2,36,273.71Year 4: ₹1,25,181.49Year 5: ₹0

Chart scale: ₹0 to ₹4,22,354.88

Year-by-year table; amounts in ₹
YearPrincipal repaidTotal paymentsInterest paidRemaining loan balance
1₹77,645.12₹1,33,466.69₹1.33 lakh₹55,821.56₹4,22,354.88₹4.22 lakh
2₹87,492.47₹1,33,466.69₹1.33 lakh₹45,974.22₹3,34,862.41₹3.35 lakh
3₹98,588.7₹1,33,466.69₹1.33 lakh₹34,877.98₹2,36,273.71₹2.36 lakh
4₹1,11,092.22₹1.11 lakh₹1,33,466.69₹1.33 lakh₹22,374.47₹1,25,181.49₹1.25 lakh
5₹1,25,181.49₹1.25 lakh₹1,33,466.69₹1.33 lakh₹8,285.2₹0
Monthly amortisation table
Monthly loan payments; amounts in ₹
MonthPaymentPrincipalInterestBalance
1₹11,122.22₹6,122.22₹5,000₹4,93,877.78
2₹11,122.22₹6,183.45₹4,938.78₹4,87,694.33
3₹11,122.22₹6,245.28₹4,876.94₹4,81,449.05
4₹11,122.22₹6,307.73₹4,814.49₹4,75,141.32
5₹11,122.22₹6,370.81₹4,751.41₹4,68,770.51
6₹11,122.22₹6,434.52₹4,687.71₹4,62,335.99
7₹11,122.22₹6,498.86₹4,623.36₹4,55,837.12
8₹11,122.22₹6,563.85₹4,558.37₹4,49,273.27
9₹11,122.22₹6,629.49₹4,492.73₹4,42,643.78
10₹11,122.22₹6,695.79₹4,426.44₹4,35,947.99
11₹11,122.22₹6,762.74₹4,359.48₹4,29,185.25
12₹11,122.22₹6,830.37₹4,291.85₹4,22,354.88
13₹11,122.22₹6,898.68₹4,223.55₹4,15,456.2
14₹11,122.22₹6,967.66₹4,154.56₹4,08,488.54
15₹11,122.22₹7,037.34₹4,084.89₹4,01,451.2
16₹11,122.22₹7,107.71₹4,014.51₹3,94,343.49
17₹11,122.22₹7,178.79₹3,943.43₹3,87,164.7
18₹11,122.22₹7,250.58₹3,871.65₹3,79,914.12
19₹11,122.22₹7,323.08₹3,799.14₹3,72,591.04
20₹11,122.22₹7,396.31₹3,725.91₹3,65,194.73
21₹11,122.22₹7,470.28₹3,651.95₹3,57,724.45
22₹11,122.22₹7,544.98₹3,577.24₹3,50,179.47
23₹11,122.22₹7,620.43₹3,501.79₹3,42,559.04
24₹11,122.22₹7,696.63₹3,425.59₹3,34,862.41
25₹11,122.22₹7,773.6₹3,348.62₹3,27,088.81
26₹11,122.22₹7,851.34₹3,270.89₹3,19,237.47
27₹11,122.22₹7,929.85₹3,192.37₹3,11,307.63
28₹11,122.22₹8,009.15₹3,113.08₹3,03,298.48
29₹11,122.22₹8,089.24₹3,032.98₹2,95,209.24
30₹11,122.22₹8,170.13₹2,952.09₹2,87,039.11
31₹11,122.22₹8,251.83₹2,870.39₹2,78,787.27
32₹11,122.22₹8,334.35₹2,787.87₹2,70,452.92
33₹11,122.22₹8,417.69₹2,704.53₹2,62,035.23
34₹11,122.22₹8,501.87₹2,620.35₹2,53,533.36
35₹11,122.22₹8,586.89₹2,535.33₹2,44,946.47
36₹11,122.22₹8,672.76₹2,449.46₹2,36,273.71
37₹11,122.22₹8,759.49₹2,362.74₹2,27,514.22
38₹11,122.22₹8,847.08₹2,275.14₹2,18,667.14
39₹11,122.22₹8,935.55₹2,186.67₹2,09,731.59
40₹11,122.22₹9,024.91₹2,097.32₹2,00,706.68
41₹11,122.22₹9,115.16₹2,007.07₹1,91,591.52
42₹11,122.22₹9,206.31₹1,915.92₹1,82,385.21
43₹11,122.22₹9,298.37₹1,823.85₹1,73,086.84
44₹11,122.22₹9,391.36₹1,730.87₹1,63,695.49
45₹11,122.22₹9,485.27₹1,636.95₹1,54,210.22
46₹11,122.22₹9,580.12₹1,542.1₹1,44,630.1
47₹11,122.22₹9,675.92₹1,446.3₹1,34,954.17
48₹11,122.22₹9,772.68₹1,349.54₹1,25,181.49
49₹11,122.22₹9,870.41₹1,251.81₹1,15,311.08
50₹11,122.22₹9,969.11₹1,153.11₹1,05,341.97
51₹11,122.22₹10,068.8₹1,053.42₹95,273.16
52₹11,122.22₹10,169.49₹952.73₹85,103.67
53₹11,122.22₹10,271.19₹851.04₹74,832.49
54₹11,122.22₹10,373.9₹748.32₹64,458.59
55₹11,122.22₹10,477.64₹644.59₹53,980.95
56₹11,122.22₹10,582.41₹539.81₹43,398.53
57₹11,122.22₹10,688.24₹433.99₹32,710.3
58₹11,122.22₹10,795.12₹327.1₹21,915.17
59₹11,122.22₹10,903.07₹219.15₹11,012.1
60₹11,122.22₹11,012.1₹110.12₹0

Personal loan repayment

OpenStax, Annuities: https://openstax.org/books/principles-finance-2e/pages/8-2-annuities

Payments are monthly and the rate stays constant. The final instalment is limited to the outstanding balance plus interest.

Borrowing cost

Compare the total repayment with fees and insurance quoted in the loan agreement. This estimate does not assess affordability or lender eligibility.

How to use it

  1. Enter amounts and choose the calculation options shown.
  2. Adjust the rate and duration to match your assumptions.
  3. Read the estimate, year-by-year chart and table, then download the CSV.

Privacy & limitations

Calculations and CSV exports run in your browser. Your financial inputs are not uploaded.

Related tools

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Frequently asked questions

Is this the annual percentage cost of the loan?

No. The entered rate is a nominal interest rate. Processing fees, insurance and other charges can raise the overall borrowing cost.

What should I check before prepaying?

Check your lender’s prepayment fee, minimum payment and timing rules; this schedule assumes no penalty.

Why does a longer term cost more?

Under a constant positive rate, principal remains outstanding for longer, so more interest is charged even when the EMI is lower.

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