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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 Fee₹ 6,500
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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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Max Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%
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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

Personal Loan Interest Rate Comparison of different Banks

Banks/NBFCs Interest Rates(p.a.)
HDFC Bank 10.85% onwards
Axis Bank 11.25% onwards
Kotak Mahindra Bank 10.99% onwards
ICICI Bank 10.85% onwards

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

Swipe to see more table data

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

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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.

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