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RattanIndia Finance Personal Loan EMI Calculator

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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 Fee6,500
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

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Personal Loan Interest Rate Comparison of different Banks

Bank/NBFCInterest Rates (% p.a.)
Aditya Birla Finance10.99 onwards
Axis Bank9.99 onwards*
Bank of Baroda10.15-18.00
Bajaj Finance Limited10.00-30.00
Bank of India10.85-16.15
Bank of Maharashtra8.75-13.55
Canara Bank9.70-15.15
Central Bank of India9.85-11.65
Cholamandalam IFC10.00-28.00
Dhani Loans & Services Ltd.13.99 onwards
Federal Bank12.00 - 22.50*
HDB Financial Services10.00 - 35.00
HDFC Bank9.99 onwards
Hero FincorpUp to 30*
HSBC Bank9.75 onwards
ICICI Bank9.99 onwards
IDFC FIRST Bank9.99 onwards
IIFL Finance12.00 - 28.00
Indian Overseas Bank10.25 onwards
IndusInd Bank10.35 onwards*
Kotak Mahindra Bank9.98 onwards*
L&T Finance11.00 onwards
Mahindra Finance8.00 - 25.00
Mannapuram Finance18.00 - 24.00
Moneyview14.00 onwards
Muthoot Finance13.50 onwards
Piramal Finance12.14 onwards
Poonawalla Fincorp9.99 onwards
Punjab & Sind Bank9.60-13.85
Punjab National Bank10.25-16.80
Shriram Finance11.00 onwards
Tata Capital10.99 onwards
UCO Bank9.95 - 13.20
Union Bank of India8.75 - 12.55
Note: Rates as of 1st May 2026

*Paisabazaar special rates

How RattanIndia Finance Personal Loan EMI Calculator Functions

An individual can easily know his/her EMI payout by using the RattanIndia Finance personal loan EMI calculator. Alternatively, you can also check EMI payout by using the Paisabazaar personal loan EMI calculator. The easy to use calculator helps you to know your future EMIs in advance so that you can manage your expenses accordingly. You simply have to select the desired loan amount, tenure and interest rate to know your EMIs.

Thus, an EMI calculator functions on the basis of the following 3 key parameters:

  • Loan Amount: Loan amount/ principal is the amount of money that you borrow from the lender. You can avail a personal loan ranging between Rs. 1 lakh to Rs. 25 lakh from RattanIndia Finance. Generally, as the loan amount increases, the EMI payout also increases and vice versa.
  • Tenure: It is the period over which you can repay your loan. RattanIndia Finance personal loans come with repayment tenure ranging between 12 to 72 months which borrowers can choose as per their own convenience. A longer tenure usually results in lower EMI payouts and vice versa.
  • Interest Rate: It is the rate at which the lender charges interest on the amount borrowed. RattanIndia Finance personal loan interest rate starts at 13.50% p.a. A higher interest rate generally translates into higher EMI payouts.

RattanIndia Finance Personal Loan EMI Calculation

Given below are different possible EMI payouts with varying combinations of loan amount, tenure and interest rate.

Loan Amount (Rs.) Interest Rate (p.a.) Tenure (months) EMI (Rs./month)
1 lakh 15% 12 9,026
2  lakh 16% 24 9,793
3 lakh 14% 36 10,253
4 lakh 17% 48 11,542
5 lakh 18% 60 12,697

Charges Levied on Non Payment of EMI

The following charges may be levied in case RattanIndia Finance personal loan EMIs are not paid on time:

Particulars Charges
ECS Failure Charges / Cheque Return Charges Rs. 600 per instance
Late payment/Penal charges 2% p.m. on the actuals and maximum of Rs 300 (whichever is higher)
Accrued Interest As applicable based on actual delayed status or as communicated by the lender from time to time.

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Factors Affecting RattanIndia Finance Personal Loan EMI

Key factors which affect RattanIndia Finance personal loan EMIs are given below:

  • Loan Amount: It refers to the principal amount that you borrow from RattanIndia Finance. The EMI payable generally increases with an increase in the loan amount and vice versa.
  • Loan Tenure: It refers to the repayment period of your RattanIndia Finance personal loan. A shorter tenure generally means higher EMI payouts and vice versa. However, it may help you save on the overall interest payout of the loan.
  • Interest Rate: It refers to the rate at which RattanIndia Finance offers a personal loan. The EMI payout generally increases with an increase in the interest rate and vice versa.
  • Interest Calculation Method: The interest calculation method used by the lender also affects the EMI amount. Generally, EMIs calculated using the reducing balance method are slightly lower than those calculated using the flat rate method, if the loan parameters remain the same.

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

Apply Now

Avail Personal Loan for
All Your Needs

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Avail Personal Loan for
All Your Needs

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

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.

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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.

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Anuradha GuptaJan 21, 2026
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