My Rupee: Loan EMI Calculator

My Rupee: Loan EMI Calculator helps you understand loan costs and plan your repayments in Indian rupees. Estimate monthly EMIs, compare different scenarios and see how changes to your loan amount, interest rate and tenure affect your budget.

CALCULATE YOUR MONTHLY EMI

Explore personal, home, vehicle and education loan scenarios. Enter your loan amount, annual interest rate and repayment period to calculate an estimated monthly instalment. Loan presets are examples, not live offers from lenders.

UNDERSTAND THE TOTAL COST

Review your principal, estimated interest and total repayment. Include processing fees and optional GST at 18% of the processing fee to understand upfront charges and the estimated net amount received.

EXPLORE YOUR REPAYMENT SCHEDULE

View monthly or yearly payment details, including principal repaid, interest paid and the remaining balance.

PLAN AROUND YOUR BUDGET

Use your take-home income, living expenses and existing EMIs to explore a comfortable monthly repayment budget. Budget results are planning estimates and do not represent loan eligibility or credit approval.

TRY EXTRA MONTHLY PAYMENTS

See how additional monthly payments could reduce your repayment period and total interest. Actual savings depend on your lender’s terms, restrictions and applicable charges.

SAVE AND COMPARE ESTIMATES

Save named estimates on your device, compare up to three scenarios and share a calculation summary using your device’s sharing options. Saved estimates are associated with your signed-in mobile number on that device; cloud synchronisation is not provided.

IMPORTANT LOAN PRODUCT NOTICE

All loan products require users to be at least 18 years old and have a minimum loan tenure of 91 days. Please exercise caution when selecting a loan product. Before applying, carefully review the lender’s identity, interest rate, fees, repayment schedule, penalties and complete terms. Borrow only what you can reasonably afford to repay.

PLEASE NOTE

My Rupee is a financial planning calculator. It does not issue loans, approve credit or guarantee loan offers. Mobile verification requires an internet connection. Depending on the account service, online services may also be available and may have separate terms and privacy policies.

Calculations assume a fixed annual interest rate and a monthly reducing balance. Fees and GST are treated as upfront charges. Estimates may differ from a lender’s actual calculations due to payment dates, rounding, rate changes or other charges. Always confirm the final terms directly with the lender before making a borrowing decision.

Recent changes:
My Rupee: Loan EMI Calculator 1.0