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Personal Loan Calculator

Updated October 2026 Personal loans are unsecured, which is why rates typically sit well above home or car loans. Check the total-interest figure before borrowing — over a short tenure the EMI looks manageable while the interest quietly adds up.
Personal Loan

Frequently Asked Questions

What interest rate should I expect?

Personal loan rates are typically in the low-to-high teens depending on your credit score, income and lender. Compare the APR, not just the headline rate.

Does a personal loan give tax benefit?

Generally no. If the funds are demonstrably used for house construction, business, or an asset purchase, interest may be claimable — keep documentation.

Can I prepay a personal loan?

Usually after a lock-in of a few EMIs, often with a foreclosure charge. Check the terms before signing.

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