Calculate your personal loan EMI for FY 2025-26 with our free India EMI Calculator. Perfect for loans from ₹50,000 to ₹50 lakh in cities like Mumbai, Delhi, or Chennai.
Enter your loan amount, interest rate, and tenure to get instant monthly EMI, total interest, and repayment schedule. Explore our Income Tax Calculator or SIP Calculator for more financial planning tools.
Plan your loan repayments with our free EMI calculator for FY 2025-26, tailored for Indian borrowers.
Estimate your monthly EMI with interest rates from 10% to 24% and tenures up to 7 years.
Get instant loan repayment details for personal expenses like medical emergencies or weddings.
Visual breakdown of principal and interest for your personal loan.
| Month | EMI (₹) | Principal (₹) | Interest (₹) | Balance (₹) |
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EMI is calculated using the formula: EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P is the loan amount, r is the monthly interest rate, and n is the repayment months.
Our free personal loan EMI calculator provides accurate EMI estimates, visual charts, and detailed repayment schedules for FY 2025-26.
Personal loan interest rates in India for FY 2025-26 typically range from 10% to 24% per annum, depending on the lender and borrower profile.
Yes, most lenders allow prepayment after a lock-in period (e.g., 6–12 months), often with a penalty of 2–5%. Check with your lender.
Personal loans in India usually have repayment tenures from 1 to 7 years (12 to 84 months).
Personal loan EMIs offer no tax benefits under Indian tax laws for FY 2025-26. Use our Income Tax Calculator to plan your taxes.
Foreclosure involves paying off the entire loan before tenure ends, often with charges of 2–5%. Unlike prepayment, it closes the loan fully.
Typically, you need KYC documents (Aadhaar, PAN), income proof (salary slips, ITR), and bank statements. Check with your lender.
Opt for a longer tenure, make prepayments to reduce principal, or refinance with a lower-rate lender. Use our EMI calculator to compare options.