Personal loan EMI calculator

Move the sliders to see what an amount, rate and tenure work out to each month. Nothing here is an offer — your actual rate depends on your application.

EMI Calculator

Calculate your monthly EMI with visual breakdown

Rs. 3.00 L
1K50.0L
16%
12%48%
24 months (2.0 years)
3 mo36 mo

Monthly EMI

Rs. 14,689

Total Payment

Rs. 3.53 L

Principal Amount

Rs. 3.00 L

Total Interest

Rs. 52,534

Interest constitutes 14.9% of your total payment. Consider a shorter tenure to save on interest.

  • Interest
  • Principal

Quick Tips

  • - Shorter tenure means higher EMI but lower total interest
  • - Compare interest rates from multiple lenders before deciding
  • - Consider making prepayments to reduce your loan burden
Apply for a loan

Innopay Money is a Lending Service Provider, not a lender. Partner lenders sanction loans; your actual rate, charges and APR are in the lender’s Key Fact Statement.

Personal loan EMI for ₹1 lakh, ₹2 lakh and ₹5 lakh

Monthly instalments at the lowest and highest rates listed by the lenders that offer each amount and tenure. Repayment periods on Innopay Money run up to 36 months, so longer terms such as 5 years are not available here.

Example EMIs
AmountTenureListed ratesEMITotal interest at the highest rate
₹1 lakh12 months12% – 36%₹8,885 – ₹10,046₹20,555
₹1 lakh24 months12% – 36%₹4,707 – ₹5,905₹41,714
₹1 lakh36 months12% – 30%₹3,321 – ₹4,245₹52,826
₹2 lakh12 months12% – 36%₹17,770 – ₹20,092₹41,109
₹2 lakh24 months12% – 36%₹9,415 – ₹11,809₹83,428
₹2 lakh36 months12% – 30%₹6,643 – ₹8,490₹1,05,651
₹5 lakh12 months12% – 30%₹44,424 – ₹48,744₹84,923
₹5 lakh24 months12% – 30%₹23,537 – ₹27,956₹1,70,954
₹5 lakh36 months12% – 30%₹16,607 – ₹21,226₹2,64,128

Each row counts only the lenders that list that amount and tenure. Reducing-balance interest, equal monthly instalments, no fees included — an illustration, not an offer.

See each lender’s listed range on interest rates and fees, or small loans for amounts up to ₹50,000.