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Take charge of your borrowing decision with HSBC Personal Loan EMI Calculator. Preview your repayment amount and plan your loan accordingly to experience a stress-free loan journey.
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Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
HSBC Personal Loan EMI Calculator determines how much you’ll pay towards the repayment of your loan each month. The free calculator uses a standard formula to compute the EMI based on the loan amount, tenure and interest rate. The formula stands as: EMI (E) = [P × R × (1 + R)ⁿ] / [(1 + R)ⁿ – 1]
Where:
E = Equated Monthly Instalment (EMI)
P = Principal Loan Amount
R = Monthly Interest Rate (Annual Rate divided by 12 × 100)
N = Loan Tenure (in months)
Follow the simple steps mentioned below to use HSBC personal loan EMI calculator:
An amortization schedule is a breakdown of all loan payments, illustrating how the principal reduces and interest decreases with every installment.
Example: Suppose you borrow a loan of Rs. 5,00,000 for 60 months at 10% p.a., then your amortization schedule will be the following:
| Month | Principal (Rs.) | Interest (Rs.) | Principal + Interest (Rs.) | Balance to be Paid (Rs.) |
|---|---|---|---|---|
| 1 | 6457 | 4167 | 10624 | 493543 |
| 2 | 6511 | 4113 | 10624 | 487032 |
| 3 | 6565 | 4059 | 10624 | 480468 |
| 4 | 6620 | 4004 | 10624 | 473848 |
| 5 | 6675 | 3949 | 10624 | 467173 |
| 6 | 6730 | 3893 | 10624 | 460443 |
| 7 | 6787 | 3837 | 10624 | 453656 |
| 8 | 6843 | 3780 | 10624 | 446813 |
| 9 | 6900 | 3723 | 10624 | 439913 |
| 10 | 6958 | 3666 | 10624 | 432956 |
| 11 | 7016 | 3608 | 10624 | 425940 |
| 12 | 7074 | 3550 | 10624 | 418866 |
Swipe to see more table data
Choosing the right EMI is an important step in managing your personal loan smartly. The goal is to find an EMI amount that fits comfortably within your monthly income while leaving room for savings and essential expenses. A well-planned EMI helps you stay financially disciplined and avoid repayment stress.
Follow these tips to select the right EMI:
Borrowers can also use Paisabazaar’s Personal Loan EMI Calculator to test different combinations of loan amount, interest rate, and tenure. This will help you find an EMI that matches your financial comfort and supports long-term repayment success.
Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
Know Your Chances of Approval
End-to-End Digital Process
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
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