₹5 lakh personal loan, 12% rate, 3 saal ki tenure par EMI ₹16,607/month banegi. Total chukana hoga ₹5,97,858, jisme ₹97,858 interest hoga. 2 saal par EMI ₹23,537 aur 5 saal par ₹11,122.
₹5 Lakh Personal Loan EMI Calculator
Personal loan me EMI kaise nikalti hai?
Formula same hai — EMI = P × r × (1+r)^n / ((1+r)^n − 1) — lekin personal loan par rate zyada hota hai (10.5%–18%), isliye EMI me interest ka hissa bada hota hai. ₹16,607 ki pehli EMI me lagbhag ₹5,000 interest hota hai. Personal loan unsecured hota hai (koi collateral nahi), isliye bank zyada rate leta hai.
Tenure table: 12% rate par
| Tenure | Monthly EMI | Total interest |
|---|---|---|
| 1 saal | ₹44,424 | ₹33,093 |
| 2 saal | ₹23,537 | ₹64,882 |
| 3 saal | ₹16,607 | ₹97,858 |
| 4 saal | ₹13,167 | ₹1,32,012 |
| 5 saal | ₹11,122 | ₹1,67,333 |
3 saal se 5 saal jaane par EMI ₹5,485 kam hoti hai, lekin interest ₹69,475 zyada! Personal loan par lambi tenure sabse mehenga sauda hai — jitni chhoti tenure afford ho sake, utni lo. 2 saal ideal hai agar budget allow kare.
Rate comparison (3 saal tenure)
| Rate | Monthly EMI | Total interest |
|---|---|---|
| 10.5% | ₹16,251 | ₹85,044 |
| 12% | ₹16,607 | ₹97,858 |
| 14% | ₹17,089 | ₹1,15,197 |
| 16% | ₹17,579 | ₹1,32,827 |
| 18% | ₹18,076 | ₹1,50,743 |
Bank (10.5–14%) vs NBFC/app (16–24%) ka fark dekho — 12% se 18% jaane par ₹52,885 extra interest! CIBIL 750+ rakho taaki bank se sasta rate mile. Loan apps se door raho, wahan 24%+ rate aam hai.
Asli cost: processing fee + GST mat bhoolo
₹5 lakh par 2% processing fee = ₹10,000, us par 18% GST = ₹1,800. Kuch banks ye fee loan amount se kaat lete hain — matlab haath me ₹4,88,200 aate hain lekin EMI poore ₹5 lakh par lagti hai! Hamesha disbursal amount poochho, sanction amount nahi.
Prepayment charges
Personal loan par 6–12 mahine ke baad prepayment allowed hota hai, par 2–4% charge lag sakta hai. Bonus mile to part-payment karo — 12% interest bachana guaranteed 12% return ke barabar hai.
FAQs
₹5 lakh personal loan par EMI kitni banegi?
12% rate par 3 saal ki tenure me ₹16,607/month EMI banegi. 2 saal me ₹23,537/month aur 5 saal me ₹11,122/month EMI hogi.
₹5 lakh personal loan par total interest kitna lagega?
3 saal @12% par ₹97,858 interest lagega. 5 saal ki tenure par ye badhkar ₹1,67,333 ho jayega — isliye chhoti tenure better hai.
Personal loan par processing fee kitni hoti hai?
Aam taur par 1–3% (₹5,000–₹15,000), us par 18% GST alag. Ye fee aksar loan amount se kaat li jaati hai, to haath me kam paisa aata hai.
Bank ya NBFC — kahan se personal loan sasta milega?
Bank saste hote hain (10.5–14%) agar CIBIL 750+ hai. NBFC/apps 16–24% lete hain. 12% vs 18% ka fark ₹52,885 ka hai — pehle bank try karo.
Kya personal loan jaldi chuka sakte hain?
Haan, 6–12 mahine ke baad part-payment ya foreclosure kar sakte ho, par 2–4% charge lag sakta hai. Phir bhi 12% interest bachana faydemand hai.
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