Paisabazaar Logo - Compare loans and credit cards

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.

Select Your Bank

₹
50K50L
8%30%
1Y 10Y

Your Monthly EMI Payment

₹0

Principal Amount₹0
Interest Amount₹0
Total Amount₹0

Find Best Personal Loan Offers

Sort by:

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

Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

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.

Avail Personal Loan for
All Your Needs

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?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

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

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
View All Partners

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.

Personal Loan Articles

Importance of No Dues Certificate in Personal Loan Closure - Article image

Importance of No Dues Certificate in Personal Loan Closure

icon image of Paisabazaar
Paisabazaar02 Sept 2025
Loan rejected despite high income? Here’s what you need to know - Article image

Loan rejected despite high income? Here’s what you need to know

icon image of Paisabazaar
Paisabazaar19 Aug 2025
Personal Loan for First Time Borrowers: What Customers Must Know - Article image

Personal Loan for First Time Borrowers: What Customers Must Know

icon image of Paisabazaar
Paisabazaar04 Aug 2025
How I Saved Rs 22,000 on My Personal Loan through Prepayment - Article image

How I Saved Rs 22,000 on My Personal Loan through Prepayment

icon image of Bhumika Khandelwal
Bhumika Khandelwal31 Jul 2025
How Have Personal Loans Advanced Over the Past few Years - Article image

How Have Personal Loans Advanced Over the Past few Years

icon image of Paisabazaar
Paisabazaar17 Jul 2025
Factors To Consider While Selecting a Personal Loan Lender - Article image

Factors To Consider While Selecting a Personal Loan Lender

icon image of Paisabazaar
Paisabazaar16 Jul 2025
Instant Personal Loan Apps: Avoid These 5 Pitfalls - Article image

Instant Personal Loan Apps: Avoid These 5 Pitfalls

icon image of Bhumika Khandelwal
Bhumika Khandelwal16 Jul 2025
Reasons for Delay in Personal Loan Processing - Article image

Reasons for Delay in Personal Loan Processing

icon image of Paisabazaar
Paisabazaar09 Jul 2025
APR vs Interest Rate in Personal Loans: What’s the Difference? - Article image

APR vs Interest Rate in Personal Loans: What’s the Difference?

icon image of Bhumika Khandelwal
Bhumika Khandelwal07 Jul 2025
Tips to Choose an Ideal Personal Loan Tenure - Article image

Tips to Choose an Ideal Personal Loan Tenure

icon image of Paisabazaar
Paisabazaar07 Jul 2025
View All Articles
quotes icon

What our customers say

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

icon image of avatar
Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

icon image of avatar
Anuradha GuptaJan 21, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

icon image of avatar
Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

icon image of avatar
Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

icon image of avatar
Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

icon image of avatar
Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

icon image of avatar
Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

icon image of avatar
Riya MehraJan 5, 2026

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.

icon image of avatar
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.

icon image of avatar
Aridaman Singh ParhichaDec 11, 2025
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

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

*Applicable for selected customers