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UCO Bank 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
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
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Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
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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

UCO Bank Personal Loan EMI Calculation

UCO Bank personal loan EMIs are calculated using the reducing balance method of interest calculation. The table below shows EMI calculation for UCO Bank personal loans using varying combinations of loan amount, tenure and interest rates:

Loan Amount (Rs.) Interest Rate (p.a.) Tenure (months) EMI (Rs./month)
50,000 11% 12 4,419
1 lakh 13% 24 4,754
3 lakh 15% 36 10,400
5 lakh 17% 48 14,428
10 lakh 20% 60 26,494

Comparison of EMI Calculation Methods: Flat Interest Rate v/s Reducing Balance Interest Rate

The following table gives a comparison of the difference in EMI payable when using the flat interest rate method v/s when the reducing balance method is used for different loan amounts, tenures and interest rates:

Loan Amount (Rs.) Loan Tenure (months) Interest Rate (p.a.) EMI using Flat Rate method(Rs.) EMI using Reducing Balance method(Rs.)
50,000 12 11% 4,625 4,419
1 lakh 24 13% 5,250 4,754
3 lakh 36 15% 12,083 10,400
5 lakh 48 17% 17,500 14,428
10 lakh 60 20% 33,333 26,494

Factors Affecting UCO Personal Loan EMI

Some key factors which affect UCO Bank personal loan EMIs are discussed below:

  • Loan Amount: The amount of money that you borrow from the lender is known as the loan amount or loan principal. Generally, a greater loan amount leads to a higher EMI payout.
  • Loan Tenure: It is the period of time over which the loan repayment can be made. Usually longer loan tenure results in lower EMI payouts. However, it may also result in greater interest payout.
  • Interest Rate: It is the rate of interest charged by the lender on the loan amount. Generally a higher interest rate leads to a higher EMI payout.
  • Interest Calculation Method: Interest payable is also affected by the method used to calculate personal loan EMIs. Most often, EMIs calculated using the reducing balance method are slightly lower as compared to EMIs calculated using the flat rate method.

Benefits of Using an EMI Calculator

The following are some of the key advantages of using an EMI calculator:

  • Better Management of Finances: EMI calculator enables customers to assess the cost of the loan even before they apply for it. This helps them to make informed decisions and aids in better planning of finances. It enables them to choose a loan amount and tenure that suits their budget.
  • Free to use: EMI calculator can be used anytime and anywhere for free. Also, there is no limit to the number of times that you can use the calculator and thus, you can compare EMI amounts of different personal loans from several lenders and choose the best option for yourself.
  • Saves Time: It gives them instant results and they no longer have to carry out tedious mathematical calculations manually and thus, helps to save a lot of time.
  • Accurate and Reliable: An EMI calculator uses computerized algorithms to give error-free results and is thus, more accurate and reliable as compared to manual calculations done by hand.

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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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Took personal loan. Good experience.

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