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Tata Capital Personal Loan EMI Calculator
Calculate Your Personal Loan EMI
Select Your Bank
₹
5K1Cr
8%30%
1Y 7Y
Your Monthly EMI Payment
₹0
Principal Amount₹0
Interest Amount₹0
Total Amount₹0
Tip Paying one extra EMI every year saves ₹19.6K in interest and closes the loan 8 months earlier.
Amortisation schedule
Monthly EMI
₹ 16,134
Total interest
₹ 80,809
Total payment
₹ 5,80,809
Principal 86%Interest 14%
Year
Principal
Interest
EMI paid
Balance
Sep
₹12.0K
₹4.2K
₹16.1K
₹4.88L
Oct
₹12.1K
₹4.1K
₹16.1K
₹4.76L
Nov
₹12.2K
₹4.0K
₹16.1K
₹4.64L
Dec
₹12.3K
₹3.9K
₹16.1K
₹4.52L
Tip Paying one extra EMI every year saves ₹5.0K in interest and closes the loan 2 months earlier.
Reducing-balance method. Final EMI may differ slightly due to rounding.
What Does This Mean?
Your EMI explained in simple language.
- Loan amount
- ₹ 5,00,000
- Interest rate
- 10% p.a.
- Tenure
- 3 yr (36 mo)
- Monthly EMI is ₹ 16,134
- Total repayment is ₹5.81 lakh
- Interest contributes 13.9% of total repayment
- Your EMI is well-balanced between principal and interest. Ensure the monthly payment stays within 55% of your net income.
- Extending tenure may reduce your EMI but increase the total interest paid
Monthly EMI
₹ 16,134
Total Interest
₹ 80,809
Total Repayment
₹ 5,80,809
Interest Share
13.9%
Find Best Personal Loan Offers
Tata Capital Limited
100% Digital Process*
Max Loan Amt.Upto ₹35L
Rate of Interest11.99% - 13.99%
Tenure upto1-5 Years
Processing Fee1% - 1.25%
- Interest rates starting from 11.99% p.a. onwards
- Loan amount of up to Rs. 35 lakh for tenure of up to 5 years
- Digital loan application
- Instant loan approval
- Quick disbursal
Tata Capital Personal Loan EMI Calculator- Features
Comparison of Tata Capital Personal Loan EMI with Top Banks
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| Aditya Birla Finance | 10.99 onwards | Up to 4% |
| Axis Bank | 9.99 onwards* | Up to 2% |
| Bank of Baroda | 10.15-18.00 | Up to 2% (Max. Rs. 10,000) |
| Bajaj Finance Limited | 10.00-30.00 | Up to 3.93% |
| Bank of India | 10.85-16.15 | Up to 1% (Min. Rs. 250; Max. Rs. 15,000) |
| Bank of Maharashtra | 8.75-13.55 | Up to 1% (Max. Rs. 10,000) |
| Canara Bank | 9.70-15.15 | Up to 0.5% (Max. Rs. 5000) |
| Central Bank of India | 9.85-11.65 | Up to 1% |
| Cholamandalam IFC | 10.00-28.00 | 4% - 6% |
| Dhani Loans & Services Ltd. | 13.99 onwards | 3% onwards |
| Federal Bank | 12.00 - 22.50* | Up to 2% |
| HDB Financial Services | 10.00 - 35.00 | Up to 5.90% |
| HDFC Bank | 9.99 onwards | Up to Rs 6,500 |
| Hero Fincorp | Up to 30* | 2.3% - 3% |
| HSBC Bank | 9.75 onwards | Up to 2% |
| ICICI Bank | 9.99 onwards | Up to 2% |
| IDFC FIRST Bank | 9.99 onwards | Up to 3.5% |
| IIFL Finance | 12.00 - 28.00 | 2% - 9% |
| Indian Overseas Bank | 10.25 onwards | Up to 0.75% |
| IndusInd Bank | 10.35 onwards* | Up to 3.5% |
| Kotak Mahindra Bank | 9.99 onwards* | Up to 5% |
| L&T Finance | 11.00 onwards | Up to 3% |
| Mahindra Finance | 8.00 - 25.00 | 2% of loan amount or Rs. 5,000, whichever is lower |
| Mannapuram Finance | 18.00 - 24.00 | 1% of loan amount |
| Moneyview | 14.00 onwards | 2% onwards |
| Muthoot Finance | 13.50 onwards | Varies for each application |
| Piramal Finance | 12.14 onwards | Up to 5% |
| Poonawalla Fincorp | 9.99 onwards | Up to 4% |
| Punjab & Sind Bank | 9.60-13.85 | 0.50% - 1% |
| Punjab National Bank | 10.25-16.80 | Up to 1% |
| Shriram Finance | 11.00 onwards | Up to 5% |
| Tata Capital | 10.99 onwards | Up to 3.5% |
| UCO Bank | 9.95 - 13.20 | Up to 1% (Min. Rs. 750) |
| Union Bank of India | 8.75 - 12.55 | Up to 1% (Max. Rs. 7,500) |
*Paisabazaar special rates
Note: Rates as of 3rd Aug 2026
*Paisabazaar special rates
Factors affecting Tata Capital Personal Loan EMI
Rate of Interest
Personal loans availed at lower interest rates would result in lower EMIs and interest costs and vice versa. Thus, it is advisable to compare the personal loan interest rates offered by top lenders before applying for Tata Capital Personal Loan.
Loan Tenure
Existing personal loan borrowers can save on their EMIs by opting for longer repayment tenures. However, higher loan tenures end up increasing the total interest cost of their personal loan. Therefore, loan applicants should use the Tata Capital Personal Loan EMI Calculator an opt for optimum loan tenure based on the repayment capacity.
Loan Amount
The higher the loan amount, the higher would be the EMIs and total interest cost and vice-versa. Your eligibility for personal loan amounts would primarily depend on your repayment capacity and loan tenure.
Tata Capital Personal Loan Amortisation Schedule
Suppose you borrow a loan of Rs. 10 lakh @ 11.99% p.a. for a tenure of 5 years, then the following will be your amortization schedule for 1 year. For the remaining period, the principal component will continue to increase at the same pace, while the interest portion will gradually decrease.
| Month | Opening Balance (₹) | EMI (₹) | Interest (₹) | Principal (₹) | Closing Balance (₹) |
|---|---|---|---|---|---|
| 1 | 10,00,000 | 22,216 | 9,990 | 12,226 | 9,87,774 |
| 2 | 9,87,774 | 22,216 | 9,872 | 12,344 | 9,75,430 |
| 3 | 9,75,430 | 22,216 | 9,754 | 12,462 | 9,62,968 |
| 4 | 9,62,968 | 22,216 | 9,642 | 12,574 | 9,50,394 |
| 5 | 9,50,394 | 22,216 | 9,503 | 12,713 | 9,37,681 |
| 6 | 9,37,681 | 22,216 | 9,374 | 12,842 | 9,24,839 |
| 7 | 9,24,839 | 22,216 | 9,240 | 12,976 | 9,11,863 |
| 8 | 9,11,863 | 22,216 | 9,118 | 13,098 | 8,98,765 |
| 9 | 8,98,765 | 22,216 | 8,988 | 13,228 | 8,85,537 |
| 10 | 8,85,537 | 22,216 | 8,862 | 13,354 | 8,72,183 |
| 11 | 8,72,183 | 22,216 | 8,742 | 13,474 | 8,58,709 |
| 12 | 8,58,709 | 22,216 | 8,587 | 13,629 | 8,45,080 |
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Benefits of Using Tata Capital Personal Loan EMI Calculator
The main advantages of using online Tata Capital Personal Loan EMI Calculator are as follows:
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FAQs
What is Tata Capital personal loan EMI calculator?
It is an online tool that helps in calculating the EMIs, interest cost and the total amount payable throughout the loan tenure.
What are the advantages of using Tata Capital personal loan EMI calculator?
Tata Capital personal loan EMI calculator gives accurate results instantly, determines the loan affordability of the applicants and helps in planning repayments for future loans.
What is the EMI of Rs 5 lakh personal loan availed from Tata Capital?
The EMI of Rs 5 lakh personal loan availed from Tata Capital would be Rs. 11,120.
What is the interest cost of Rs 5 lakh personal loan availed from Tata Capital?
The interest cost of Rs 5 lakh personal loan availed from Tata Capital would be Rs. 1,67,180.
Why is it essential to check the EMI before applying for a personal loan?
Checking your EMI beforehand helps you in assessing your loan affordability and plan your repayments accordingly.
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