Financial Advisory & Decision Engine

Personal Loan EMI & Advisory Calculator

Accurate, transparent and bank-grade calculations for Indian borrowers, salaried professionals and DSAs. Explore repayment schedules, loan comparison, and part-payment savings.

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Direct 1-tap calculator access. Short Link: earthwealthgroup.com/calc

Personal Loan EMI Parameters

ā‚¹
ā‚¹50,000ā‚¹20 Lakhā‚¹40 Lakh
%
8% (Low)14% (Avg)30% (High)
M
6 Months48M (4 Yrs)84M (7 Yrs)
%
0% (Promo)2.5%5%

Monthly Repayment Estimate

Estimated Monthly EMI
ā‚¹13,299
Principal: 78%
Interest: 22%
Principal Amount ā‚¹5,00,000
Total Interest Payable ā‚¹1,38,352
Total Payment (P + I) ā‚¹6,38,352
Processing Fee + 18% GST ā‚¹11,800
Net In-Hand Disbursal ā‚¹4,88,200
Apply for this Loan ā†’

Amortization Repayment Schedule

Month-by-month breakdown of principal balance and interest payment.

Month Opening Balance EMI Amount Principal Paid Interest Paid Closing Balance

Reverse Loan Amount Finder

Enter how much EMI you can comfortably afford every month to discover the maximum loan amount you can borrow.

ā‚¹
ā‚¹3,000ā‚¹50,000ā‚¹1,00,000
%
8%15%28%
M
1 Year (12M)5 Years (60M)7 Years (84M)

Maximum Borrowing Capacity

Eligible Loan Principal
ā‚¹6,74,320
Affordable Monthly Budgetā‚¹15,000 / mo
Total Interest Payableā‚¹2,25,680
Total Repayment (P + I)ā‚¹9,00,000
Selected Tenure5.0 Years (60 Months)

Flat vs Reducing Balance ROI Converter

Essential DSA Tool

DSAs and lenders often quote flat rates (e.g. 7.5% flat). Use this tool to uncover the REAL reducing balance interest rate that banks charge.

ā‚¹
% Flat
4% Flat10% Flat18% Flat
Yrs
1 Year4 Years7 Years

Real Effective Reducing Interest

True Reducing Balance Rate (Equivalent)
13.82% p.a.
Quoted Flat Rate7.5% Flat
Monthly EMI Payableā‚¹10,208
Total Flat Interestā‚¹67,500
Total Repaymentā‚¹3,67,500

Pre-Payment & Interest Saver

Calculate how much interest you save and how many months earlier you become debt-free by making a part payment.

ā‚¹
%
M
ā‚¹
M

Interest Savings Analysis

Total Interest Saved
ā‚¹84,210
Old Total Interestā‚¹3,65,180
New Total Interestā‚¹2,80,970
Tenure Reduced By8 Months Early
Original EMIā‚¹22,753

Compare Two Loan Offers Side-by-Side

Compare bank rates (e.g. HDFC Bank vs IDFC FIRST Bank) to discover which lender offers maximum savings.

Offer A (e.g. HDFC Bank)

Option 1
ā‚¹
%
M
Monthly EMI:
ā‚¹12,923
Total Interest: ā‚¹1,20,304

Offer B (e.g. IDFC FIRST)

Option 2
ā‚¹
%
M
Monthly EMI:
ā‚¹13,538
Total Interest: ā‚¹1,49,824
Comparison Verdict:
Offer A saves you ā‚¹29,520 in total interest!
Apply for Cheaper Offer ā†’

Salary & FOIR Loan Eligibility

Banks use Fixed Obligation to Income Ratio (FOIR) to calculate how much personal loan you can borrow based on your take-home salary.

ā‚¹
ā‚¹
%
50% (Standard)55% (Average)65% (Top Corporate)
Yrs

Maximum Loan Eligibility

Eligible Personal Loan Amount
ā‚¹11,57,580
Permissible Total Monthly EMIā‚¹35,750 / mo
Available Capacity for New Loanā‚¹25,750 / mo
Estimated Standard ROI12.0% p.a. Reducing

Expert Financial Guidance

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