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India Personal Loan EMI Calculator — Calculates Equated Monthly Instalments using the reducing balance method as per RBI guidelines. Amounts in Indian Rupees (₹).
Personal Loan EMI Calculator
Loan Amount
₹
%
Loan Tenure
months
A personal loan EMI (Equated Monthly Instalment) in India is the fixed monthly repayment for unsecured personal loans. Indian personal loan rates (2024) typically range 10–24% per annum depending on credit score and lender. Personal loans have higher rates than home loans due to lack of collateral.
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Pro Tip
Compare the Effective Annual Rate (EAR) not just the stated rate — processing fees and insurance can significantly increase the true cost of a personal loan.
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