Personal Loan for Rent Deposit — EMI Calculator

Moving to a new city or apartment? Rent deposits in metros can run ₹1-5 lakh. A short-tenure personal loan covers the deposit upfront — repay in 6-12 months while your security deposit sits with the landlord.

Loan Amount

₹

₹50,000₹5,00,000

Interest Rate (p.a.)

10.0%36.0%

Loan Tenure

6 Mo60 Mo

Monthly EMI

₹24,433

Total Interest

₹18,201

Total Payment

₹2,93,201

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Monthly EMI

₹24,433

Principal Amount

₹2,75,000 (93.8%)

Total Interest

₹18,201 (6.2%)

Amortization Schedule

Year	Principal	Interest	Total Paid	Balance
Year 1	₹2,74,995	₹18,201	₹2,93,196	₹5

By Gaurav Gupta, Credit SpecialistUpdated 24 Jul 2026

₹2,75,000 Loan EMI at Different Rates & Tenures

Monthly EMI for a ₹2,75,000 personal loan across common interest rates and repayment periods.

Rate ↓ / Tenure →	12 mo	24 mo	36 mo	48 mo	60 mo
10%	₹24,177	₹12,690	₹8,873	₹6,975	₹5,843
12%	₹24,433	₹12,945	₹9,134	₹7,242	₹6,117
14%	₹24,691	₹13,204	₹9,399	₹7,515	₹6,399
16%	₹24,951	₹13,465	₹9,668	₹7,794	₹6,687
18%	₹25,212	₹13,729	₹9,942	₹8,078	₹6,983
24%	₹26,004	₹14,540	₹10,789	₹8,966	₹7,911

EMI Example: ₹2,75,000 at 12% for 12 Months

Loan Amount: ₹2,75,000

Interest Rate: 12% p.a.

Tenure: 12 months

Monthly EMI: ₹24,433

Total Interest: ₹18,196

Total Payment: ₹2,93,196

Key Features

✓Fast disbursal — meet tight move-in deadlines

✓Short tenure options (6-12 months)

✓No need to break FDs or investments

✓Available even for new-to-city applicants

Recommended Lenders for Personal Loan for Rent Deposit

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

Fibe (EarlySalary)

Rate: 18%-30%

Amount: up to ₹10,00,000

CIBIL: Not required

Disbursal: 24 hours

Calculate EMI →|View Details

MoneyView

Rate: 14%-36%

Amount: up to ₹10,00,000

CIBIL: 650+

Disbursal: 24 hours

Calculate EMI →|View Details

CASHe

Rate: 72%-72%

Amount: up to ₹3,00,000

CIBIL: Not required

Disbursal: 8 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 rent deposit loan?

For a ₹2,75,000 rent deposit loan at 12% interest for 12 months, the EMI is approximately ₹24,433 per month. Total interest: ₹18,196. Adjust the calculator above to match your specific needs.

What is the typical loan amount for personal loan for rent deposit?

Personal Loan for Rent Deposit amounts typically range from ₹50,000 to ₹5,00,000, with the most common tenure being 6-18 months. The exact amount you qualify for depends on your income, credit score, and existing obligations.

Which lender is best for personal loan for rent deposit?

Top recommended lenders include KreditBee (from 12%), Navi (from 9%), Fibe (EarlySalary) (from 18%). The best lender for you depends on your credit profile — GoCredit compares 100+ lenders simultaneously.

Do I need collateral for personal loan for rent deposit?

No. Personal loans are unsecured — you do not need to pledge any property, gold, or assets as collateral. Approval is based on your income, credit score, and repayment capacity. This makes personal loans faster to get than secured loans like home or gold loans.

How fast can I get a rent deposit loan?

Many lenders disburse personal loans within 24-48 hours. Among recommended lenders, KreditBee offers disbursal in 10 minutes. Digital lenders often have same-day disbursal for approved applicants.

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