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Finance & Money Calculator
Illustrative math, reviewed October 2026 — not financial, tax, or legal advice. Verify rates and slabs before you sign or file.
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A personal loan EMI calculator prices borrowing with no collateral: the lender's risk sits entirely in the interest rate, which runs higher than home or car loans, over shorter tenures of a few years. Borrow ₹5,00,000 at 12% over 3 years (36 months) and the EMI is ₹16,607 — with ≈ ₹97,858 of total interest, nearly a fifth of the principal. Small tenure or rate changes swing that interest figure hard.
Enter the amount, the offered rate, and months. The revealing experiment is tenure: stretching 36 to 48 months trims the EMI modestly but piles on interest — money paid for no extra asset. Because the loan is typically unsecured with no end-use restriction, also confirm foreclosure and part-prepayment lock-ins with the lender; this page prices principal, rate, and months only.
It does not model foreclosure or part-prepayment lock-in, check FOIR against existing EMIs, or judge whether unsecured borrowing is wise — it prices principal, rate, and months, nothing more.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
The loan is generally unsecured and can be used for any purpose the lender allows. Without collateral, the rate compensates for that risk. Enter the rate from your offer; this page does not look up market rates.
Over a long tenure interest compounds on the outstanding balance, so a 20-year home loan can pay back well over the borrowed amount. Shortening the tenure or prepaying principal is what cuts total interest, not a lower EMI.
Rarely to the rupee. Banks add fees and may use a different day-count or reset date. Use this to compare offers, then trust the amortisation schedule the lender issues.
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