₹1 Lakh Personal Loan EMI Calculator

₹1 Lakh Personal Loan EMI is ₹3,970/month at 14% for 30 months. Calculate exact EMI at your rate and tenure. Compare offers from 100+ lenders.

Loan Amount

₹

₹20,000₹5,00,000

Interest Rate (p.a.)

10.0%36.0%

Loan Tenure

12 Mo60 Mo

Monthly EMI

₹3,875

Total Interest

₹16,244

Total Payment

₹1,16,244

Get Money for this ₹1,00,000 loan →No app download · Zero CIBIL impact

Monthly EMI

₹3,875

Principal Amount

₹1,00,000 (86.0%)

Total Interest

₹16,244 (14.0%)

Amortization Schedule

Year	Principal	Interest	Total Paid	Balance
Year 1	₹36,463	₹10,037	₹46,500	₹63,537
Year 2	₹41,087	₹5,413	₹46,500	₹22,450
Year 3	₹22,450	₹792	₹23,250	₹0

By Gaurav Gupta, Credit SpecialistUpdated 24 Jul 2026

₹1,00,000 Loan EMI at Different Rates & Tenures

Monthly EMI for a ₹1,00,000 personal loan across common interest rates and repayment periods.

Rate ↓ / Tenure →	12 mo	24 mo	36 mo	48 mo	60 mo
10%	₹8,792	₹4,614	₹3,227	₹2,536	₹2,125
12%	₹8,885	₹4,707	₹3,321	₹2,633	₹2,224
14%	₹8,979	₹4,801	₹3,418	₹2,733	₹2,327
16%	₹9,073	₹4,896	₹3,516	₹2,834	₹2,432
18%	₹9,168	₹4,992	₹3,615	₹2,937	₹2,539
24%	₹9,456	₹5,287	₹3,923	₹3,260	₹2,877

EMI Example: ₹1,00,000 at 14% for 30 Months

Loan Amount: ₹1,00,000

Interest Rate: 14% p.a.

Tenure: 30 months

Monthly EMI: ₹3,970

Total Interest: ₹19,100

Total Payment: ₹1,19,100

Key Features

✓EMI from ₹2,400/month

✓Multiple lender options

✓Quick disbursal

Best Lenders for a ₹1 Lakh Personal Loan

MoneyView

Rate: 14%-36%

Amount: up to ₹10,00,000

CIBIL: 650+

Disbursal: 24 hours

Calculate EMI →|View Details

Bajaj Finserv

Rate: 10%-30.5%

Amount: up to ₹55,00,000

CIBIL: 650+

Disbursal: 24 hours

Calculate EMI →|View Details

KreditBee

Rate: 12%-27.5%

Amount: up to ₹10,00,000

CIBIL: Not required

Disbursal: 10 minutes

Calculate EMI →|View Details

Navi

Rate: 9%-29.96%

Amount: up to ₹20,00,000

CIBIL: 650+

Disbursal: 5 minutes

Calculate EMI →|View Details

Popular with borrowers

₹50,000 loan without CIBIL →₹2,000 loan without CIBIL →Loan apps for low CIBIL score →Loan apps for 400 CIBIL score →

Frequently Asked Questions

What is the EMI for a ₹1 lakh personal loan?

For a ₹1,00,000 personal loan at 14% annual interest for 30 months, the monthly EMI is approximately ₹3,970. Total interest payable would be ₹19,100. Use the calculator above to check EMI at different rates and tenures.

Which bank offers the lowest interest rate for a ₹1 lakh personal loan?

Among popular lenders, MoneyView offers rates starting from 14% p.a. for personal loans. Your actual rate depends on your CIBIL score, income, and employment type. GoCredit compares 100+ lenders to find your best match.

What CIBIL score is needed for a ₹1 lakh personal loan?

Most banks require a CIBIL score of 700+ for a ₹1 lakh personal loan. However, several NBFCs and fintech lenders approve loans with scores as low as 550 or even no CIBIL history — typically at higher interest rates. A score of 750+ gets you the best rates.

What is the best tenure for a ₹1 lakh personal loan?

The typical tenure for a ₹1 lakh personal loan is 12-48 months. A shorter tenure means higher EMI but less total interest. For example, at 12% interest: a 12-month tenure gives an EMI of ₹8,885, while a 36-month tenure gives ₹3,321 — but you pay more interest overall.

Can I get a ₹1 lakh personal loan without salary slip?

Yes. Several lenders accept bank statements, ITR, or alternate income proof instead of salary slips. Fintech lenders like MoneyView and KreditBee have flexible documentation requirements. GoCredit's AI automatically matches you with lenders that accept your available documents.