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Faircent Personal Loan EMI Calculator

Personal Loan applicants can use the Faircent personal loan EMI calculator to determine the interest cost, loan amount and EMIs payable on their personal loans at various interest rates, loan tenures and loan amounts. Loan applicants availing Faircent personal loans can also use online personal loan EMI calculators to find out the optimal EMI and tenure for their loan based on their repayment capacity.

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%

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How Can I Apply for a Personal Loan Online?

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

What is Personal Loan EMI?

  • Personal Loan EMI is the amount payable by the borrower on a monthly basis until the end of the loan tenure.
  • Those availing personal loans must pay the EMI amount, which includes both the principal and the interest component of their personal loan, every month till the entire loan amount is repaid in full.
  • The EMI for personal loans availed at fixed interest rates will remain constant throughout the loan tenure while the EMI for personal loans availed at floating rates are subject to change depending on any change in the interest rates.

What is Faircent Personal Loan EMI Calculator?

  • Paisabazaar’s personal loan EMI calculator is an online tool which allows prospective borrowers to calculate the monthly loan installment amount on their personal loans.
  • When you select Faircent as the lender, the current Faircent personal loan interest rate is automatically filled in and you can enter the loan amount and tenure to know the EMI payable on your personal loan.
  •  Alternatively, you can also use the Paisabazaar Personal Loan EMI Calculator to select the optimum tenure and EMIs for your personal loans based on your repayment capacity.
  • The EMI amount for the loan would vary on the basis of the interest rates, loan amount and repayment tenure selected by the individual availing Faircent personal loan.

How Do I Select the ROI for Faircent Personal Loan EMI Calculator?

  • You can use the Paisabazaaar personal loan EMI calculator and select Faircent as the lender. When you do this, the current personal loan interest rate offered by Faircent is automatically filled in the calculator.
  • However, you can also change the interest rate in the calculator in case a different interest rate is offered to you by Faircent.
  • The personal loan calculator offered by Faircent on its official website, provides loan applicants’ the option of selecting ROI from a wide variety of interest rates.
  • Prospective borrowers can select different combinations of interest rates, loan amounts and tenures to know the EMIs for each of these combinations.
  • However, you should note that the final ROI offered for your personal loan will be determined based on your eligibility for availing Faircent personal loans, which depends on multiple factors including your income, credit score, residential status, overdue credit payments, repayment capacity, etc.

Personal Loan Interest Rates of Top Banks/NBFCs

Banks/NBFCs Interest Rates Processing Fees
HDFC Bank 9.99% - 12.5% Rs. 3499 to Rs. 6500
Axis Bank 9.99% - 17.15% 1% - 1.5%
ICICI Bank 11% - 13% Up to 2%
Kotak Mahindra Bank 9.98% - 17.2% 1.1% - 1.5%
IndusInd Bank 10.35% - 16.5% 1.3% - 2%
IDFC FIRST Bank 9.99% onwards Up to 2%
Federal Bank 12.0% - 19.5% Up to 2%
YES Bank 13% - 16% 1.5% - 2.25%
Tata Capital 11.99% - 13.99% Up to 1.25%
Aditya Birla Finance 10.99% p.a. onwards Up to 4%
L&T Finance 11.00% p.a. onwards Up to 3%
Hero Fincorp 19.75% - 30.00% p.a. 2.3% - 3%
Piramal Finance 12.90% p.a. onwards Up to 5%
Poonawalla Fincorp 18% - 36% p.a. Up to 3%
Moneyview 14% - 36% p.a. Up to 2%

Note: Interest rates as on 4th November 2025

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Factors Affecting Faircent Personal Loan EMI

Rate of Interest

  • Faircent personal loan interest rates start from 9.99% p.a.
  • Loan applicants availing personal loans at lower interest rates would have to pay lower EMIs and lower interest costs.
  • The reverse would be true for personal loans availed at higher interest rates.
  • Hence, prospective borrowers should first check the personal loan interest rates offered by top lenders and then, compare them with the interest rates offered by Faircent before applying for Faircent personal loans.

Loan Tenure

  • The repayment period for Faircent personal loans can go up to 6 years.
  • Existing personal loan borrowers can lower their EMIs by increasing their repayment tenures.
  • However, the interest costs will increase for personal loan borrowers who opt for higher loan tenures.
  • Therefore, loan applicants planning to avail Faircent personal loan should either use the Faircent personal loan EMI calculator or Paisabazaar’s personal loan EMI calculator to find the optimum loan tenure based on their repayment capacity.

Loan Amount

  • The loan amount for Faircent personal loans depends on several factors including income, credit profile, repayment capacity, etc. 
  • Prospective borrowers who opt for higher loan amounts will have to pay higher EMIs and interest costs.

Benefits of Using Faircent Personal Loan EMI Calculator

The main advantages of using Faircent personal loan EMI calculator are as follows:

Easy to Use

  • Faircent personal loan EMI calculator allows loan applicants to compute the total EMI amount for their loans within seconds.
  • Applicants can enter the principal loan amount, interest rate and then select the desired loan tenure in the EMI calculator to know the value of their monthly installments.

Provides Quicker and Accurate Results

  • Loan applicants can use the Faircent personal loan EMI calculator to find out their EMIs without going through difficult calculations involving complex formulas.
  • Calculating your EMI manually can lead to errors as it involves difficult formulae.
  • Therefore, prospective borrowers can use the Personal loan EMI calculator to lower the chances of human errors.

Improve Personal Loan Eligibility

  • Lenders usually approve personal loan applications of individuals whose total EMI obligations (including the EMI of their proposed personal loan) does not exceed 50% – 60% of their total monthly income.
  • As loan applicants using either the Faircent personal loan EMI calculator or Paisabazaar’s personal loan EMI calculator would get a fair idea of their EMIs, those exceeding the aforementioned limit can select higher loan tenures and/or lower personal loan amounts to reduce the EMI while applying for personal loans.
  • Doing so should help loan applicants improve their chances of personal loan approval.

Budget Management

  • The EMI amount for personal loans availed at fixed interest rates is constant during the entire loan tenure and as such, the loan applicants know the amount payable every month while undertaking the loan.
  • Therefore, personal loan applicants can adjust their monthly expenses accordingly to fit in the EMI amount.

Healthy Credit Scores

  • Personal loan applicants using the Faircent personal loan EMI calculator to calculate their monthly instalments would be better prepared to manage their finances and repay their personal loans within the loan tenure.
  • Therefore, such applicants are less likely to default on their EMIs, which in turn should help in improving or maintaining their credit scores.

Considering the above-mentioned factors, personal loan applicants should use Faircent personal EMI calculator to determine the optimal EMI and loan tenure based on their repayment capacity. Loan applicants can either use Faircent Personal Loan EMI Calculator or Paisabazaar’s Personal Loan EMI Calculator to calculate and compare the personal loan EMIs of other lenders as well.

Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

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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FAQs

No, you are not required to pay any fee to use the Faircent personal loan EMI calculator online. It is available online for free and can be used anytime 24/7 by existing as well as new borrowers.

Yes, the EMI calculator gives highly accurate results because they are based on the standard EMI formula. However, the final EMI amount may slightly vary based on factors such as processing fees or changes in interest rates.

No, calculating the EMIs payable on your personal loan or experimenting with different loan combinations will not affect your chances of loan approval/rejection in any way.

The Faircent  personal loan EMI Calculator is designed specifically for personal loans. For other different types of loans like  home loans or car loans, you are required  to use their respective calculators.

You can use the Faircent personal loan EMI calculator as many times as you may need to find out the suitable EMI amount that suits your financial capacity.

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