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Aditya Birla Personal Loan EMI Calculator
EMI Calculator
₹
%
Year(s)
EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
What is Personal Loan EMI?
Personal Loan EMI is the amount that borrowers have to pay every month, until the end of their loan repayment period. This amount includes both the principal as well as the interest component of the personal loan. It is important to note that the EMIs will remain the same throughout the loan tenure, in cases of fixed rate personal loan.
What is the Aditya Birla Personal Loan EMI Calculator?
Aditya Birla Personal Loan EMI Calculator helps the prospective personal loan borrowers to calculate their EMIs when availing Aditya Birla Personal Loan. The personal loan EMI amount may vary depending on the Aditya Birla Personal Loan Interest Rate, repayment tenure and loan amount chosen by the borrower. Alternatively, borrowers can also use the EMI Calculator for Personal Loan offered by Paisabazaar to calculate their EMIs for Aditya Birla Personal Loan.
How to Choose ROI for Aditya Birla Personal Loan EMI Calculator?
Using the Aditya Birla Personal Loan EMI Calculator, borrowers can choose different combinations of interest rates, loan amounts and repayment tenures to find specific EMIs. However, the final interest rates offered for personal loans would depend on the Aditya Birla Personal Loan Eligibility, which will further depend on different factors like credit score, income, occupation profile and repayment capacity.
Personal Loan Interest Rate Comparison of Different Lenders
| Banks/NBFCs | Interest Rates(p.a.) |
| Bajaj Finance | 10% - 31% p.a. |
| Axis Bank | 9.99% onwards |
| IndusInd Bank | 10.49% onwards |
| IDFC First Bank | 10.99% onwards |
| HDFC Bank | 10.85% onwards |
| ICICI Bank | 10.80% onwards |
| Kotak Mahindra Bank | 10.99% onwards |
| Tata Capital | 11.99% onwards |
| Federal Bank | 11.49% onwards |
| DMI Finance | Up to 24% |
| L&T Finance | 11.00% onwards |
| Kreditbee | 16.00% - 29.95% |
| MoneyTap | 13.00% onwards |
| Piramal Finance | 12.90% onwards |
| Aditya Birla | 10.99% onwards |
| Moneyview | 14%-36% |
| Cashe | 33.50% onwards |
What are the Factors Affecting Aditya Birla Personal Loan EMI?
Various factors affecting personal loan EMI are mentioned below:
Interest rate
Aditya Birla Capital has not disclosed its personal loan interest rates. However, it has stated APR (annualised percentage rate) of personal loans, which range between 13% and 28% p.a. By availing personal loans at lower interest rates, borrowers would have to pay lower EMIs and interest costs. On the other hand, by availing personal loans at higher interest rates, borrowers would have to pay higher EMIs and interest costs. For that reason, it is better to compare the personal loan interest rates offered by top lenders before applying for Aditya Birla Personal Loan.
Loan amount
Prospective borrowers can avail Aditya Birla Personal Loans for up to Rs 50 lakh. A higher loan amount would result in higher EMI and total interest cost. Moreover, it is also important to note that the borrower’s eligibility for personal loan amount majorly depends on their loan repayment capacity and tenure.
Repayment tenure
Aditya Birla Capital offers personal loans for repayment tenures of up to 7 years. By availing personal loans for longer repayment periods, the borrowers would have to pay lower EMIs and vice versa. However, the total interest cost of their personal loan might also increase. In that case, borrowers should consider using a personal loan EMI calculator to find the optimal tenure for their personal loan based on their repayment capacity.
What are the Benefits of Using Aditya Birla Personal Loan EMI Calculator?
Some of the most common benefits of using Aditya Birla Personal Loan EMI Calculator are as follows:
Quick and Accurate Results
Aditya Birla Personal Loan EMI Calculator helps prospective borrowers to find their personal loan EMIs without performing complicated calculations using complex formulas. Along with this, the EMI Calculator also provides accurate figures for EMIs as there is no scope of errors caused by manual calculations.
Budget Management
The EMI amount for personal loans availed at fixed interest rates remains constant during the entire loan tenure, therefore, borrowers can use the Aditya Birla Personal Loan EMI Calculator to find exact amounts they would have to repay every month. Doing this will also help them adjust their monthly expenses to fit in the EMI amount.
Healthy Credit Score
Prospective personal loan borrowers who use the Aditya Birla Personal Loan EMI Calculator would be better prepared to manage their finances for loan repayments within the provided tenure. Such borrowers would also have fewer chances of defaulting on their EMIs, which would also help them improve/maintain their credit score.
Improved Personal Loan Eligibility
Lenders usually approve the personal loan applications of applicants whose total EMI obligations, including that of the proposed personal loan EMI, does not exceed 50-60% of their total monthly income.
Using the Aditya Birla Personal Loan EMI Calculator will help the prospective borrowers get an idea of their EMIs. Applicants exceeding the mentioned limit would be able to reduce their EMI when applying for personal loans. Along with improving the eligibility, this will also help the prospective borrowers to improve the chances of getting their personal loan application approved.
Bottom line
Keeping in mind the above mentioned factors, prospective personal loan borrowers can use the Aditya Birla Personal Loan EMI Calculator to determine the optimal tenure and EMI for their Aditya Birla Personal Loan EMI Calculator. Borrowers can also use the Paisabazaar’s Personal Loan EMI Calculator to find and compare personal loan EMIs of various lenders.