Personal Loan EMI Calculator 2026: Calculate Monthly EMI & Interest

Adjust Loan Parameters

Loan Amount (₹) ₹5,00,000

₹50K ₹25 Lakhs ₹50 Lakhs

Interest Rate (% p.a.) 10.50%

9.5% (Prime Bank) 16% (Standard) 24% (NBFC)

Loan Tenure (Years) 3 Years (36 Mos)

1 Year 4 Years 7 Years

Estimated Monthly EMI

₹16,254

Principal Amount ₹5,00,000

Total Interest Payable ₹85,144

Total Amount Payable (Principal + Interest) ₹5,85,144

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See how leading lenders benchmark against your calculated monthly budget:

📅 Rates Last Verified: September 2026 | Source: Bank Official Lending Schedules & RBI Master Directions 🛡️ Reviewed by: Senior Loan Advisory & Compliance Desk, Earth Wealth Group

Bank / Rating	Starting ROI	Max Loan	Processing Fee	Min Salary	Action
HDFC HDFC Bank Best for Corporate Salaried FinTech Score: 8.9 / 10	10.49% 10.49% - 15.00% p.a.	₹50 Lakhs 12 to 72 Months	Up to 1.50% - 2.50% (Min ₹4,999)	₹25,000/month (Tier 1) / ₹20,000 (Tier 2) CIBIL: 750+	Check HDFC Bank Eligibility
ICIC ICICI Bank Fastest Disbursal FinTech Score: 8.7 / 10	10.65% 10.65% - 16.00% p.a.	₹50 Lakhs 12 to 60 Months	Up to 1.50% - 2.25% of loan amount	₹30,000/month (Metro) / ₹25,000 (Other) CIBIL: 720+	Check ICICI Bank Eligibility
IDFC IDFC FIRST Bank Zero Part-Payment Fee FinTech Score: 8.8 / 10	10.75% 10.75% - 18.00% p.a.	₹1 Crore 12 to 84 Months	Starting from 1.00% to 2.00%	₹20,000/month across Pan India CIBIL: 700+	Check IDFC FIRST Bank Eligibility
InCr InCred Finance Best for Fast Approval FinTech Score: 8.0 / 10	11.99% 11.99% - 24.00% p.a.	₹15 Lakhs 12 to 48 Months	2.00% - 3.00%	₹18,000/month CIBIL: 650+	Check InCred Finance Eligibility
Axis Axis Bank Best for Easy Digital Approval FinTech Score: 8.8 / 10	10.49% 10.49% - 16.00% p.a.	₹40 Lakhs 12 to 60 Months	Up to 1.50% - 2.00% + GST	₹25,000/month across Pan India CIBIL: 720+	Check Axis Bank Eligibility