Short answer: The EMI on a ₹1 lakh personal loan at 14% a year is about ₹8,979 over 12 months, ₹3,418 over 36 months and ₹2,327 over 60 months. The tables below show every common rate and tenure, the total interest, and the take-home salary lenders usually expect.
Last updated: 12 October 2026. General information, not financial advice. Your lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms.
A ₹1 lakh loan is small enough that fees and short tenures matter more than the rate. Many NBFC apps offer this amount; compare APRs.
EMI on ₹1 lakh by interest rate and tenure
| Rate | 12 months | 24 months | 36 months | 48 months | 60 months |
|---|---|---|---|---|---|
| 11% | ₹8,838 | ₹4,661 | ₹3,274 | ₹2,585 | ₹2,174 |
| 14% | ₹8,979 | ₹4,801 | ₹3,418 | ₹2,733 | ₹2,327 |
| 16% | ₹9,073 | ₹4,896 | ₹3,516 | ₹2,834 | ₹2,432 |
| 18% | ₹9,168 | ₹4,992 | ₹3,615 | ₹2,937 | ₹2,539 |
| 21% | ₹9,311 | ₹5,139 | ₹3,768 | ₹3,097 | ₹2,705 |
| 24% | ₹9,456 | ₹5,287 | ₹3,923 | ₹3,260 | ₹2,877 |
Total interest on ₹1 lakh
| Rate | 12 months | 24 months | 36 months | 48 months | 60 months |
|---|---|---|---|---|---|
| 11% | ₹6,058 | ₹11,859 | ₹17,859 | ₹24,059 | ₹30,455 |
| 14% | ₹7,745 | ₹15,231 | ₹23,039 | ₹31,167 | ₹39,610 |
| 16% | ₹8,877 | ₹17,511 | ₹26,565 | ₹36,033 | ₹45,908 |
| 18% | ₹10,016 | ₹19,818 | ₹30,149 | ₹41,000 | ₹52,361 |
| 21% | ₹11,737 | ₹23,326 | ₹35,630 | ₹48,635 | ₹62,320 |
| 24% | ₹13,472 | ₹26,891 | ₹41,238 | ₹56,489 | ₹72,608 |
At 14% over 36 months you would pay ₹23,039 in interest. Over 60 months the EMI drops to ₹2,327, but interest rises to ₹39,610.
Salary you may need
Lenders usually want your total EMIs to stay below about 50% of take-home pay, and many prefer 40%. If you have no other EMIs, at 14%:
| Tenure | EMI | Take-home salary at 50% FOIR | At 40% FOIR |
|---|---|---|---|
| 12 months | ₹8,979 | ₹17,957 | ₹22,447 |
| 24 months | ₹4,801 | ₹9,603 | ₹12,003 |
| 36 months | ₹3,418 | ₹6,836 | ₹8,544 |
| 48 months | ₹2,733 | ₹5,465 | ₹6,832 |
| 60 months | ₹2,327 | ₹4,654 | ₹5,817 |
Existing EMIs raise the salary needed. Work it out with our FOIR calculator.
Fees and the money you actually receive
A 2% processing fee plus 18% GST on ₹1 lakh is ₹2,360, usually deducted upfront, so about ₹97,640 reaches your account. Compare the APR and total amount payable in each lender’s KFS.
Try your own numbers
Personal loan EMI calculator with repayment schedule
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Frequently asked questions
What is the EMI for a ₹1 lakh personal loan for 5 years?
About ₹2,327 a month at 14%, ₹2,174 at 11% and ₹2,539 at 18%.
What salary is needed for a ₹1 lakh personal loan?
With no other EMIs and a 36-month tenure at 14%, lenders using a 50% FOIR limit would want a take-home salary of about ₹6,836 or more. Many lenders also set their own minimum salary.
Can I get ₹1 lakh with a low CIBIL score?
It is harder. You may be offered less or a higher rate. See personal loans with a 650 CIBIL score.
Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.