InCred Personal Loan EMI Calculator

The InCred personal loan EMI calculator can be used online to determine the total interest cost, loan amount and EMIs payable on your personal loan for different combinations of interest rates, loan amounts and repayment tenures. You can also use the InCred personal loan EMI calculator to find out the optimal EMI and loan tenure based on your repayment capacity.

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Amount

₹

₹1L

₹5L

₹10L

₹15L

₹20L

Amount

₹1L

₹5L

₹10L

₹15L

₹20L

₹

50K50L

Rate of Interest(Per Annum)

8%30%

Tenure

1Y 10Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

Find Best Personal Loan Offers

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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

Axis Bank

Low Processing fee

Max. Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

Kotak Mahindra Bank

Lowest Income requirement100% Digital Process*

Max. Loan Amt.Upto ₹25L

Rate of Interest9.98% - 17.2%

Tenure upto1-5 Years

Processing Fee1.1% - 1.5%

Quick Links

What is InCred Personal Loan EMI Calculator?

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

Personal Loan Interest Rates of Top Banks/NBFCs

Factors Affecting InCred Personal Loan EMI

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

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

What is InCred Personal Loan EMI Calculator?

The Paisabazaar Personal Loan EMI Calculator for InCred is an online tool that allows prospective borrowers to calculate the EMI amount payable on their personal loans.
When you select InCred as the lender in the EMI calculator, the current InCred personal loan interest rate is automatically filled in, and you can fill in the loan amount and tenure to find out the EMI payable on your personal loan.
You can also use the InCred personal loan EMI calculator to choose the optimum tenure and EMIs for your personal loans based on your repayment capacity.
The EMI for personal loans would vary according to the interest rates, loan tenure and amount selected when availing InCred personal loans.

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

When you use the Paisabazaaar personal loan EMI calculator and choose InCred as the lender, the current interest rate offered by InCred on its personal loans is automatically filled in the calculator.
In case a different interest rate is offered to you by InCred, you can choose to change the interest rate in the calculator.
InCred personal loan EMI calculator available on the lender’s official website allows loan applicants to select the ROI from a wide range of interest rates.
Prospective borrowers can choose different combinations of loan amounts, interest rates, and tenures to know the EMIs for each of these combinations.
However, you should note that the final ROI offered by InCred on its personal loan will depend on your personal loan eligibility, which depends on multiple factors, including your credit score, income, repayment capacity, overdue credit payments, residential status, 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 of 12th November 2025

Swipe to see more table data

Factors Affecting InCred Personal Loan EMI

Rate of Interest

InCred personal loan interest rates start from 16% p.a.
Loan applicants availing personal loans at lower rates of interest will 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 InCred before applying for InCred personal loans.

Loan Tenure

The repayment period for InCred Finance personal loans can go up to 5 years.
Existing personal loan borrowers can lower their EMIs by increasing their repayment tenure. However, the interest costs will increase for personal loan borrowers who opt for higher loan tenures.
Therefore, loan applicants planning to avail InCred personal loan can use Paisabazaar’s Personal Loan EMI Calculator to find the optimum loan tenure based on their repayment capacity.

Loan Amount

The loan amount that you can avail on an InCred Finance personal loan can go up to Rs. 15 lakh.
Lenders usually offer loan amounts on the basis of the applicants’ income, credit profile, repayment capacity, etc.
Prospective borrowers opting for higher loan amounts will have to pay higher EMIs and interest costs.

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Benefits of Using Personal Loan EMI Calculator

Given below are some key benefits of using the InCred personal loan EMI calculator:

Easy to Use

The InCred personal loan EMI calculator lets loan applicants 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 instalments.

Provides Quicker and Accurate Results

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

Budget Management

As Incred offers personal loans at fixed interest rates, the EMI amount for such loans will remain constant during the entire loan tenure.
Thus, applicants using the personal loan EMI calculator can know their EMI obligation even before availing the InCred personal loan and can adjust their monthly expenses accordingly.

Improve Personal Loan Eligibility

Lenders usually approve personal loan applications made by individuals having total EMI obligations (including the EMI of their proposed personal loan) within 50% – 60% of their total monthly income.
Thus, prospective loan applicants of InCred personal loans can use the personal loan EMI calculator to check whether the EMI of their desired loan amount for various combinations of interest rates and tenures is within the aforementioned limit.
Loan applicants exceeding the aforementioned limit can then accordingly select higher loan tenures and/or reduce their personal loan amounts to reduce the EMI. Doing so should help loan applicants to improve their chances of personal loan approval.

Healthy Credit Scores

Loan applicants using the InCred personal loan EMI calculator to calculate their monthly installments 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.

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

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

Explore Our Personal Loan Lenders

Avail Personal Loan For
All Your Needs

FAQs

You can avail a personal loan ranging between Rs. 50,000 to Rs. 15,00,000 from InCred.

InCred uses the reducing balance method to calculate the interest payable on its personal loans.

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

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

You can use the InCred 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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What our customers say

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

Priyam Sarkar MajumdarDec 10, 2025

I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

Bilal ZaidiDec 9, 2025

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

Shivani SuryaDec 3, 2025

Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

Shiv KumarDec 3, 2025

Best Loan Terms on My Credit Score in the Market

Paisabazaar helped me get a loan even with a borderline credit score. Really impressed with how smooth everything was.

SunnyDec 3, 2025

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

InCred Personal Loan EMI Calculator

Your Monthly EMI Payment

Find Best Personal Loan Offers

Quick Links

How Can I Apply for a Personal Loan Online?

What is InCred Personal Loan EMI Calculator?

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

Personal Loan Interest Rates of Top Banks/NBFCs

Factors Affecting InCred Personal Loan EMI

Rate of Interest

Loan Tenure

Loan Amount

Benefits of Using Personal Loan EMI Calculator

Easy to Use

Provides Quicker and Accurate Results

Budget Management

Improve Personal Loan Eligibility

Healthy Credit Scores

How Can I Apply for a Personal Loan Online?

FAQs

What is the minimum and maximum loan amount that you can avail on an InCred personal loan?

Which method of interest calculation does InCred use to calculate the interest payable on its personal loans?

Do I have to pay a fee to use the InCred personal loan EMI calculator?

Does using the InCred EMI calculator affect my chances of personal loan approval?

How many times can I use the InCred personal loan calculator?

Personal Loan Articles

What our customers say

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