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₹1-10 Lakh Loan — 12 se 60 Months, Har Tenure Ki EMI
Tenure ke hisaab se EMI kaise badalti hai — ₹1 lakh se ₹10 lakh tak, 12/24/36/48/60 months, sab calculated. 24 vs 60 months ka असली fark bhi.
VSV Sudarshan· Credit Specialist, GoCreditLast updated: 4 September 2026
Tenure-wise EMI Table (13% par)
Personal-loan ka mid-range rate 13% lekar, har amount × tenure:
| Loan Amount | 1 saal | 2 saal | 3 saal | 4 saal | 5 saal |
|---|---|---|---|---|---|
| ₹1,00,000 | ₹8,932 | ₹4,754 | ₹3,369 | ₹2,683 | ₹2,275 |
| ₹2,00,000 | ₹17,863 | ₹9,508 | ₹6,739 | ₹5,365 | ₹4,551 |
| ₹5,00,000 | ₹44,659 | ₹23,771 | ₹16,847 | ₹13,414 | ₹11,377 |
| ₹9,00,000 | ₹80,386 | ₹42,788 | ₹30,325 | ₹24,145 | ₹20,478 |
| ₹10,00,000 | ₹89,317 | ₹47,542 | ₹33,694 | ₹26,827 | ₹22,753 |
| ₹15,00,000 | ₹1,33,976 | ₹71,313 | ₹50,541 | ₹40,241 | ₹34,130 |
Column dekhein, row nahi — same amount par tenure ka asar hi asli decision hai.
₹2 Lakh: 24 Months Ka Poora Hisaab
24 months @13% par EMI ₹9,508 — total ₹2,28,192 chukate hain, yaani interest ₹28,192.
60 months lete to EMI ₹4,551 hoti par interest ₹73,060 — 44,868 rupaye zyada sirf lambi tenure ki wajah se.
₹10 Lakh: 60 Months Ka Hisaab
Bade amount par lambi tenure aur mehngi padti hai. ₹10 lakh @13%:
| Tenure | EMI | Total Interest |
|---|---|---|
| 36 months | ₹33,694 | ₹2,12,984 |
| 48 months | ₹26,827 | ₹2,87,696 |
| 60 months | ₹22,753 | ₹3,65,180 |
₹9 lakh chahiye? Har number ka ~90% le lein — ya upar ki master table mein exact row hai.
Sahi Tenure Kaise Chunein
- ✅**EMI salary ke 40% se kam rakhein** — us limit mein jo sabse chhota tenure fit ho, wahi chunein.
- ✅**Bonus/increment aane wala ho** to chhota tenure lein ya prepayment plan karein.
- ✅**Emergency fund mat khali karein** EMI ke liye — 3 months ka buffer hamesha bacha ke rakhein.
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🏛️ Official Sources
- 🔗GoCredit EMI Calculator — Har amount/rate/tenure ka exact EMI
- 🏛️Reserve Bank of India — Lending rates ke rules ka source
अक्सर पूछे जाने वाले सवाल (FAQ)
₹2 lakh, 24 months — EMI?
@13%: ₹9,508/month. @16% ho to ₹9,793.
₹10 lakh, 60 months — EMI?
@13%: ₹22,753/month, total interest ₹3,65,180.
₹9 lakh ki EMI kitni hogi?
@13%: 36 months ₹30,325, 48 months ₹24,145, 60 months ₹20,478.
Beech mein tenure badal sakte hain?
Personal loan mein directly nahi — par prepayment se tenure effectively chhota kar sakte hain. Balance transfer se doosre lender par naya tenure mil sakta hai.
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