What you provide
What you provide
- Sanctioned amount, reducing-balance rate, and tenure
- Processing fee and tax charged on that fee
- Every other upfront amount shown in the offer or Key Facts Statement
PERSONAL LOAN / COST BEYOND EMI
Personal Loan EMI & Cost Calculator
Estimate EMI, fee tax, net cash received, total outflow, and a fee-adjusted annualised rate before comparing loan offers.
- 01 Calculated in this tab
- 02 Values stay in this browser tab
- 03 Use boundary
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Calculation path
The page calculates EMI on sanctioned principal, subtracts every entered upfront charge to show net funds received, and solves the annualised rate implied by those net proceeds and scheduled EMIs.
Calculation path
EMI uses the reducing-balance formula. The fee-adjusted annualised rate is the monthly internal rate that equates net funds received with all scheduled EMIs, multiplied by 12.
What you receive
What you receive
- Estimated EMI and term interest
- Processing fee plus entered tax and net cash received
- Fee-adjusted annualised rate and instalments-plus-charges total
Use boundary
Choose the maximum decimal places shown. This does not increase source accuracy.
Compare the result with the lender Key Facts Statement, its official APR computation sheet, and repayment schedule. This estimate cannot reproduce unknown third-party charges, dates, insurance, or lender rounding.
Reviewed reference factors