Personal loan EMI for ₹10 lakh
A ₹10 lakh personal loan at 12% for 3 years costs ₹33,214 a month. Total interest is ₹1,95,715. The table shows the EMI for other rates and tenures; the highlighted cell is this example.
| Rate | 1 yr | 2 yrs | 3 yrs | 4 yrs | 5 yrs |
|---|---|---|---|---|---|
| 10.5% | ₹88,149 | ₹46,376 | ₹32,502 | ₹25,603 | ₹21,494 |
| 12% | ₹88,849 | ₹47,073 | ₹33,214 | ₹26,334 | ₹22,244 |
| 14% | ₹89,787 | ₹48,013 | ₹34,178 | ₹27,326 | ₹23,268 |
| 16% | ₹90,731 | ₹48,963 | ₹35,157 | ₹28,340 | ₹24,318 |
| 18% | ₹91,680 | ₹49,924 | ₹36,152 | ₹29,375 | ₹25,393 |
| 21% | ₹93,114 | ₹51,386 | ₹37,675 | ₹30,966 | ₹27,053 |
Interest you pay by tenure
| Tenure | EMI at 12% | Total interest |
|---|---|---|
| 1 yr | ₹88,849 | ₹66,185 |
| 2 yrs | ₹47,073 | ₹1,29,763 |
| 3 yrs | ₹33,214 | ₹1,95,715 |
| 4 yrs | ₹26,334 | ₹2,64,024 |
| 5 yrs | ₹22,244 | ₹3,34,667 |
A shorter tenure means a higher EMI but much less interest. Change any number in the calculator above, or open the full personal loan EMI calculator.
Questions people ask
What is the EMI for a ₹10 lakh personal loan?
₹33,214 a month at 12% for 3 years. At 21% it would be ₹37,675.