Personal Loan EMI Calculator


Help us to understand your financial needs

Loan Amount


Interest Rate


Loan Tenure (months)

An indicative amount you pay
Interest payable
Total payable




What is a Personal Loan EMI Calculator?

While applying for a personal loan it is important to understand the EMI, as this is the cash outflow that you have to incur over the loan tenure. Our Personal Loan EMI calculator helps you to understand the EMIs that you will pay, Principal Payments & Interest Payments over the loan tenure. By using a personal loan EMI calculator you can know about how much you need to pay off each month and decide on the amount of loan you must consider. It is important to understand this in detail and pay off the loan on time, as it impacts your credit history and personal loan eligibility for future loans.

What does a Personal Loan EMI Stand for?

EMI stands for Equated Monthly Installments is the payment that you give for any loan undertaken for a fixed tenure to pay off the loan amount. In the case of personal loan from Tata Capital, the loan tenure ranges between 12 to 84 months. Your EMI will include principal and interest payments made every month towards the repayment of the loan. Though the amount of EMI does not change, the percentage of principal & interest will change month on month. Initially, the interest component is higher but gradually the principal payment is more. The exact percentage of principal and interest will depend on the interest rate charged and tenure for which the loan is taken.

How to calculate your EMI using calculator?

Enter the following information in our EMI calculator for Personal Loan:

  • Principal Amount (Loan amount you wish to avail)
  • Interest Rate (Tata Capital offers personal loan interest rate between 11.49% p.a. to 19.00% p.a.)
  • Tenure of the Personal Loan (Tata Capital offers loan for 12 -84 months)
  • Once you enter the above information, press the "Calculate EMI" Button
  • Our innovative personal loan calculator shows you EMI, monthly break up of Interest & Principal payments, a pie chart of total Interest and Principal Payment over the tenure of Loan
  • If the personal loan EMI is higher or lower than you want to pay, edit the principal amount and restart.

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How to Calculate EMI on Personal Loan - Infographic

Should you take a Tata Capital Personal Loan?

Tata Capital offers hassle free Personal loans to both salaried and self-employed. Some of the benefits that we offer are:

  • Higher Personal Loan Eligibility
  • Speedy Approval
  • Minimum Documentation
  • Competitive Interest Rates
  • Customized Solutions
  • Personalized Customer Care before and after disbursement
  • Flexible Payment Plans

Our loans are specifically designed to meet any contingency, be it personal or professional. One of the biggest contingencies in life is the medical expenditure that comes unexpected and you want to ensure that your loved ones are taken care of properly. Tata Capital understands your needs in such emergency situations and offers funds through our customized Medical Personal Loan.

To check your eligibility, please visit "Personal Loan Eligibility Criteria" or talk to our representatives now.

How Much EMI do you have to pay?

Calculating your EMI is as important as availing a loan, as you get a loan based on the repayment eligibility. To calculate your EMI for the amount that you wish to avail, please visit 'Personal Loan EMI Calculator'.

However, the final EMI will depend on the interest rate and the tenure for which the loan is offered.

What are the documents you need?

For a personal loan, you will need the basic Know Your Customer (KYC) documents, income and address proof. To understand the detailed requirement of documents, please visit 'Personal Loan Documentation' page.

Value Added Services

Step Up Loans - Also known as ballooning loans allow you to take a loan with lower EMIs initially, while the EMI amount increases after a defined time period. It is ideal for people with expected rise in income after regular intervals.

Step Down Loans - Step Down Loan allows you to take a loan, where you pay higher EMIs initially and the EMI amount decreases after a defined time period. This helps you reduce your interest burden substantially.

Bullet Flexi Loans - Allows you to pay principal in parts along with EMIs, which helps you to reduce EMI amount and pay the loan faster. It is good for people receiving regular incentives.


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Disclaimer: The values displayed are indicative and subject to change based on actual financials.