EMI Calculator- Loan Calulator

EMI calculators are helpful to calculate EMI for personal loan, home loan or business credit. And they are easy to use too. To determine your monthly installments, you need to fill in these three essentials in the Bajaj Finserv Personal Loan EMI calculator – loan amount, tenure and interest rate.

You can also modify the EMI as per your repayment capacity. Increasing the tenure will reduce your EMI and vice versa reducing the tenure will increase your EMI. You can do this calculation by making changes in the relevant field of the EMI calculator.

The Bajaj Finserv Personal Loan EMI calculator also shows the details of principal and interest amount while calculating the EMI. You can also check your monthly or yearly EMI by clicking on ‘View Repayment Schedule’.

The visible values ​​are illustrative and can be used to compare EMIs at various interest rates to make an informed decision.

EMI Calculator

EMI Calculator

Loan EMI

Total Interest Payable

Total Payment(Principal + Interest)


The results generated by the calculator are indicative. The interest rate applicable on the loan will depend on the rates prevailing at the time of booking the loan.

The calculator is not intended to provide its user/customer with results that are certified by Bajaj Finance Limited (“BFL”) or that under no circumstances shall an obligation, assurance, warranty, promise or commitment be made by or on behalf of BFL, financial and Professional advice. The calculator is just a tool which helps in estimating the results as per various conditions based on the information entered by the user/customer. Use of the calculator is entirely at the risk of the user/customer and BFL is not responsible for any error in any result resulting from the use of the calculator.

General questions

It is a good idea to calculate your EMI before applying for a personal loan . While you can do this manually, using a personal loan EMI calculator can help you determine a more accurate value. All you need to do is choose the loan amount, tenure and rate of interest to get the exact EMI payable with interactive charts.

The following factors affect the personal loan EMI –

  • Loan Amount – The monthly installments payable are directly affected by the loan amount chosen by you. Higher the loan amount, higher will be the EMI.
  • Interest rate – Interest rate is the percentage at which the lender charges interest on the loan amount. Higher interest rate increases the EMI, while lower interest rate lowers the EMI.
  • Tenure – This is the repayment tenure of the loan taken and is linked to the EMI. Longer tenure reduces the monthly installments, while shorter tenure increases the amount of installments.

13% interest rate with Bajaj Finserv for varying tenures up to Rs. Check out the EMI on Personal Loan of Rs 1 Lakh:



2 years

3 years

4 years

5 year


Rupee. 4,754

Rupee. 3,369

Rupee. 2,683

Rupee. 2,275

total payment amount

Rupee. 1,14,101

Rupee. 1,21,303

Rupee. 1,28,769

Rupee. 1,36,528

net interest payable

Rupee. 14,101

Rupee. 21,303

Rupee. 28,769

Rupee. 36,528

The personal loan interest rate is decided by your lender based on your loan amount, tenure and credit profile. Once you know the interest rate on the desired loan amount and tenure, you can use a personal loan EMI calculator to determine the monthly instalments.

To know the exact interest payable, enter all the three values, ie loan amount, tenure and rate of interest, in the calculator.

Before applying for the loan in India, you can use the Bajaj Finserv Personal Loan EMI calculator and know the EMI payable. This will help you make arrangements in advance to ensure timely repayment.

Personal loan amortization schedule is a detailed table of periodic payments to be made during the loan tenure. Lenders use an amortization calculator to prepare this schedule. Amortization is a calculation method that specifies the repayment of the loan through EMIs over a chosen tenure.

It provides a detailed breakdown of the portion of principal and interest involved in each EMI payable, till the completion of the loan repayment. This schedule gives the borrower complete details about the principal and interest involved in each EMI.


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