Personal loan EMI for every loan amount
This table shows the EMI for each month at an example rate of 12.50% for usual personal loans. Each lender sets the rate of a personal loan for each borrower. Thus, use the calculator with the rate that the lender gives you.
| Loan amount | 2 years | 3 years | 5 years |
|---|---|---|---|
| ₹2 lakh | ₹9,461 | ₹6,691 | ₹4,500 |
| ₹3 lakh | ₹14,192 | ₹10,036 | ₹6,749 |
| ₹5 lakh | ₹23,654 | ₹16,727 | ₹11,249 |
| ₹8 lakh | ₹37,846 | ₹26,763 | ₹17,998 |
| ₹10 lakh | ₹47,307 | ₹33,454 | ₹22,498 |
| ₹15 lakh | ₹70,961 | ₹50,180 | ₹33,747 |
| ₹20 lakh | ₹94,615 | ₹66,907 | ₹44,996 |
At 12.50% a year, on a reducing balance.
Personal loan interest rate and EMI by lender
Each page uses the rates of the lender, its processing fee and its foreclosure charge. Four of the eight lenders also show the average rate that they charged last quarter.
A gold loan: the limit changes with the loan
For a consumption gold loan, RBI sets a maximum loan as a percentage of the gold value (RBI Credit Facilities Directions, 2025, para 44). The maximum is 85% for ₹2.5 lakh or less, 80% for ₹5 lakh or less, and 75% for a larger loan. For ₹2 lakh, you must have gold with a value of approximately ₹2.35 lakh. For ₹10 lakh, you must have gold with a value of approximately ₹13.33 lakh. Full examples: ₹5 lakh and ₹10 lakh.