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What EMI would a ₹5 lakh personal loan at 12% for 3 years cost?

Based on these numbers, the EMI works out to about ₹16,607, with total interest of ₹97,858 over the loan’s life.

12% p.a.
3 years
Loan amount: ₹5,00,000 (84%)Interest: ₹97,858 (16%)

What is an EMI calculator?

An EMI (Equated Monthly Installment) calculator computes the fixed monthly amount you repay on a loan, using the reducing-balance method — the standard method used by Indian banks and NBFCs for home, car, and personal loans.

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