RattanIndia Finance Personal Loan EMI Calculator

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

Google Play Store

4.5_/5

15.6L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Google Play Store

4.5_/5

15.6L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

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

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%

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

Apply Now

Personal Loan Interest Rate Comparison of different Banks

Bank/NBFC	Interest Rates (% p.a.)
Aditya Birla Finance	10.99 onwards
Axis Bank	9.99 onwards*
Bank of Baroda	10.15-18.00
Bajaj Finance Limited	10.00-30.00
Bank of India	10.85-16.15
Bank of Maharashtra	8.75-13.55
Canara Bank	9.70-15.15
Central Bank of India	9.85-11.65
Cholamandalam IFC	10.00-28.00
Dhani Loans & Services Ltd.	13.99 onwards
Federal Bank	12.00 - 22.50*
HDB Financial Services	10.00 - 35.00
HDFC Bank	9.99 onwards
Hero Fincorp	Up to 30*
HSBC Bank	9.75 onwards
ICICI Bank	9.99 onwards
IDFC FIRST Bank	9.99 onwards
IIFL Finance	12.00 - 28.00
Indian Overseas Bank	10.25 onwards
IndusInd Bank	10.35 onwards*
Kotak Mahindra Bank	9.98 onwards*
L&T Finance	11.00 onwards
Mahindra Finance	8.00 - 25.00
Mannapuram Finance	18.00 - 24.00
Moneyview	14.00 onwards
Muthoot Finance	13.50 onwards
Piramal Finance	12.14 onwards
Poonawalla Fincorp	9.99 onwards
Punjab & Sind Bank	9.60-13.85
Punjab National Bank	10.25-16.80
Shriram Finance	11.00 onwards
Tata Capital	10.99 onwards
UCO Bank	9.95 - 13.20
Union Bank of India	8.75 - 12.55

Note: Rates as of 17th April 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.

Avail Personal Loan for
All Your Needs

Avail Personal Loan for
All Your Needs

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

Explore Our Personal Loan Lenders

Avail Personal Loan for
All Your Needs

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What our customers say

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.

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

Kokil BarnwalFeb 12, 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.

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.

Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

20th Jan 2026Jan 20, 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.

Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

Amit ChahalJan 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

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

Abhishek ThakuraJan 14, 2026

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