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Aditya Birla Capital Personal Loan EMI Calculator

The Aditya Birla Capital Personal Loan EMI calculator helps you plan your finances by showing your monthly liability towards the loan, instantly. By entering the loan amount, interest rate, and tenure, you can calculate EMIs instantly on Bajaj Markets.

...

By adjusting the loan terms, you can tailor your EMIs to suit your financial situation. You can also compare the personal loan from Aditya Birla Capital Limited with those of other lenders to make an informed borrowing decision. 

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Your Personal Loan EMI
₹ 85,929
Total Interest Amount

₹ 15,572

Principal Amount

₹ 5,00,000

Total Payable Amount

₹ 5,15,572

Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
Months arrow-down-img
  • Years
- +
Min value reached
Max value reached

When you input the loan amount, interest rate, and tenure, the calculator immediately displays your monthly instalments. This helps with better financial planning by giving you an advance estimate of the EMIs. 

... Read More

Factors Affecting the ICICI Bank Personal Loan EMIs

You can calculate your EMI manually using the standard formula. However, this process can be time-consuming and prone to errors. 

EMI Formula: 

EMI = [P x R x (1+R) ^ N]/ [(1+R) ^ (N-1)]

Where:
P = Principal Loan Amount
R = Monthly Interest Rate
N = Loan Tenure (in months)

Example:

Suppose you take an Aditya Birla Capital Personal Loan of ₹5 Lakhs at an interest rate of 12% p.a. for a tenure of 5 years:

  • Loan Amount (P) = ₹5,00,000

  • Annual Interest Rate = 12%

  • Tenure (n) = 60 months

EMI = 5,00,000×0.01×(1+0.01)60/ (1+0.01)60−1

EMI = 5,000×1.816/ 0.816 ​= ₹11,122

Here is the total interest you pay: 

With an EMI of ₹11,122 over 60 months, your total repayment amounts to ₹6,67,333. The interest paid is the difference between this total repayment and the principal loan amount, calculated as:

Total Interest=(EMI×Tenure)−Principal=(₹11,122×60)−₹5,00,000=₹1,67,333

To save time and ensure accuracy, you can use the Aditya Birla Capital Personal Loan EMI calculator on Bajaj Markets.

Benefits of Using an Aditya Birla Capital Personal Loan EMI Calculator

There are several benefits of using this personal loan EMI calculator, from choosing the most suitable loan terms to comparing options. Here are the

  • Accurate EMI Calculation

Get an exact estimate of your monthly instalments based on loan amount, interest rate, and tenure.

  • Helps in Financial Planning

By knowing the exact EMI, you can assess your repayment capacity and maintain a healthy debt-to-income ratio.

  • Free to Use

Explore different loan amounts, interest rates, and tenures multiple times, free of cost, until you find the most suitable option.

  • Quick Comparisons of Different Loan Offers

Easily compare loan offers and terms to select the one that aligns with your financial goals.

  • Easy to Use and Time-saving

With its simple interface, the calculator provides instant results, saving you from tedious manual calculations.

  • Precise and Reliable Results

Calculations are accurate, removing guesswork and helping you make well-informed financial decisions.

  • Amortisation Schedule

View how each EMI contributes to principal and interest repayment over the loan tenure. This helps you plan prepayments, foreclosures, and balance transfers effectively. 

Factors Affecting Your Aditya Birla Capital Personal Loan EMIs

Several factors determine your monthly EMI amount for an Aditya Birla Capital Personal Loan. Here are some of the factors:

  • Loan Amount

Higher the loan amount, higher would be the EMIs, while small-ticket loans reduce your monthly repayment obligation.

  • Interest Rate

The applicable interest rate directly affects your EMI. Lower rates result in smaller EMIs and vice versa. Higher rates also result in a higher cost of borrowing across the loan’s tenure. 

  • Tenure

Extending the repayment duration reduces the EMI amount but increases the total interest paid over the  loan period. On the other hand, a shorter tenure raises the EMI but lowers the overall interest.

  • Credit Score

A better cibil score may help you secure lower interest rates on unsecured loans, thereby reducing your EMI.

  • Existing Debt

Your current financial obligations, such as other loans or credit card dues, can influence the EMI repayment. Lenders consider your debt-to-income ratio when determining your EMI. 

Personal Loan EMI Calculators for Other Lending Partners

Frequently Asked Questions

How do I use the Aditya Birla Capital EMI calculator?

Using the Aditya Birla Capital Personal Loan EMI calculator on Bajaj Markets is simple and instant. Enter the loan amount, interest rate, and tenure in the respective fields. The calculator will instantly display your monthly EMI, total interest payable, and overall repayment amount. 

Aditya Birla Capital Limited offers personal loans with a maximum repayment tenure up to 60 months on Bajaj Markets. 

Yes, you can pay your Aditya Birla Capital Personal Loan EMI online by logging into the online account via their website or using their mobile app. 

Missing an EMI can lead to late payment fees, additional interest charges, and a negative impact on your credit score. 

Yes, Aditya Birla Capital Limited offers flexible repayment options. It allows you to choose the tenure, make partial prepayments, and decide on a loan amount as per your needs and eligibility. This helps you manage your EMIs according to your financial situation.

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