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Estimate personal loan EMI, interest cost, processing fee, amount received, and repayment schedule.
Tax year 2026 - Updated June 2026
Monthly personal loan EMI
₹16,607
Loan amount ₹5,00,000 at 12% for 36 months.
Total interest
₹97,858
Total payment
₹5,97,858
Processing fee
₹5,000
Estimated amount received
₹4,95,000
Principal borrowed
₹5,00,000
Interest plus fee
₹1,02,858
Repayment months
36
Principal, interest, total payment, and closing balance by loan year.
| Year | Principal | Interest | Payment | Balance |
|---|---|---|---|---|
| Year 1 | ₹1,47,208 | ₹52,078 | ₹1,99,286 | ₹3,52,792 |
| Year 2 | ₹1,65,877 | ₹33,408 | ₹1,99,286 | ₹1,86,915 |
| Year 3 | ₹1,86,915 | ₹12,371 | ₹1,99,286 | ₹0 |
Visualize principal, interest, and balance across the personal-loan schedule.
The chart uses the full schedule. The table below may show only the first and last rows for readability. CSV and PDF views include every month with payment, principal, interest, and balance.
First and last 12 months are shown to keep longer personal-loan schedules readable.
| Month | Period | Payment | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 1 | Apr 2026 | ₹16,607 | ₹11,607 | ₹5,000 | ₹4,88,393 |
| 2 | May 2026 | ₹16,607 | ₹11,723 | ₹4,884 | ₹4,76,670 |
| 3 | Jun 2026 | ₹16,607 | ₹11,840 | ₹4,767 | ₹4,64,829 |
| 4 | Jul 2026 | ₹16,607 | ₹11,959 | ₹4,648 | ₹4,52,870 |
| 5 | Aug 2026 | ₹16,607 | ₹12,078 | ₹4,529 | ₹4,40,792 |
| 6 | Sept 2026 | ₹16,607 | ₹12,199 | ₹4,408 | ₹4,28,593 |
| 7 | Oct 2026 | ₹16,607 | ₹12,321 | ₹4,286 | ₹4,16,271 |
| 8 | Nov 2026 | ₹16,607 | ₹12,444 | ₹4,163 | ₹4,03,827 |
| 9 | Dec 2026 | ₹16,607 | ₹12,569 | ₹4,038 | ₹3,91,258 |
| 10 | Jan 2027 | ₹16,607 | ₹12,695 | ₹3,913 | ₹3,78,564 |
| 11 | Feb 2027 | ₹16,607 | ₹12,822 | ₹3,786 | ₹3,65,742 |
| 12 | Mar 2027 | ₹16,607 | ₹12,950 | ₹3,657 | ₹3,52,792 |
| 12 middle months hidden | |||||
| 25 | Apr 2028 | ₹16,607 | ₹14,738 | ₹1,869 | ₹1,72,177 |
| 26 | May 2028 | ₹16,607 | ₹14,885 | ₹1,722 | ₹1,57,292 |
| 27 | Jun 2028 | ₹16,607 | ₹15,034 | ₹1,573 | ₹1,42,257 |
| 28 | Jul 2028 | ₹16,607 | ₹15,185 | ₹1,423 | ₹1,27,073 |
| 29 | Aug 2028 | ₹16,607 | ₹15,336 | ₹1,271 | ₹1,11,736 |
| 30 | Sept 2028 | ₹16,607 | ₹15,490 | ₹1,117 | ₹96,247 |
| 31 | Oct 2028 | ₹16,607 | ₹15,645 | ₹962 | ₹80,602 |
| 32 | Nov 2028 | ₹16,607 | ₹15,801 | ₹806 | ₹64,801 |
| 33 | Dec 2028 | ₹16,607 | ₹15,959 | ₹648 | ₹48,842 |
| 34 | Jan 2029 | ₹16,607 | ₹16,119 | ₹488 | ₹32,723 |
| 35 | Feb 2029 | ₹16,607 | ₹16,280 | ₹327 | ₹16,443 |
| 36 | Mar 2029 | ₹16,607 | ₹16,443 | ₹164 | ₹0 |
Quick answers
How is personal loan EMI calculated?
Personal loan EMI is calculated from loan amount, monthly interest rate, and tenure using the standard EMI formula.
What is amount received or net disbursal?
Amount received is the loan amount after subtracting upfront processing fee or similar deductions entered in the calculator.
Does the calculator include GST on processing fee?
No. GST on fees and lender-specific charges are not included unless the input fields explicitly account for them.
Can I prepay a personal loan?
Many lenders allow prepayment or foreclosure subject to rules and charges. Use the Loan Prepayment Calculator for a simplified savings estimate.
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The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.
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