Short answer: The EMI on a ₹10 lakh personal loan at 14% a year is about ₹89,787 over 12 months, ₹34,178 over 36 months and ₹23,268 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.
For ₹10 lakh, most lenders want a steady salary well above ₹50,000 and a clean credit report. Compare the APR, not just the rate.
EMI on ₹10 lakh by interest rate and tenure
| Rate | 12 months | 24 months | 36 months | 48 months | 60 months |
|---|---|---|---|---|---|
| 11% | ₹88,382 | ₹46,608 | ₹32,739 | ₹25,846 | ₹21,742 |
| 14% | ₹89,787 | ₹48,013 | ₹34,178 | ₹27,326 | ₹23,268 |
| 16% | ₹90,731 | ₹48,963 | ₹35,157 | ₹28,340 | ₹24,318 |
| 18% | ₹91,680 | ₹49,924 | ₹36,152 | ₹29,375 | ₹25,393 |
| 21% | ₹93,114 | ₹51,386 | ₹37,675 | ₹30,966 | ₹27,053 |
| 24% | ₹94,560 | ₹52,871 | ₹39,233 | ₹32,602 | ₹28,768 |
Total interest on ₹10 lakh
| Rate | 12 months | 24 months | 36 months | 48 months | 60 months |
|---|---|---|---|---|---|
| 11% | ₹60,580 | ₹1,18,588 | ₹1,78,594 | ₹2,40,585 | ₹3,04,545 |
| 14% | ₹77,445 | ₹1,52,309 | ₹2,30,395 | ₹3,11,671 | ₹3,96,095 |
| 16% | ₹88,770 | ₹1,75,115 | ₹2,65,653 | ₹3,60,333 | ₹4,59,083 |
| 18% | ₹1,00,160 | ₹1,98,178 | ₹3,01,486 | ₹4,10,000 | ₹5,23,606 |
| 21% | ₹1,17,365 | ₹2,33,256 | ₹3,56,302 | ₹4,86,353 | ₹6,23,202 |
| 24% | ₹1,34,715 | ₹2,68,906 | ₹4,12,383 | ₹5,64,888 | ₹7,26,078 |
At 14% over 36 months you would pay ₹2,30,395 in interest. Over 60 months the EMI drops to ₹23,268, but interest rises to ₹3,96,095.
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 | ₹89,787 | ₹1,79,574 | ₹2,24,468 |
| 24 months | ₹48,013 | ₹96,026 | ₹1,20,032 |
| 36 months | ₹34,178 | ₹68,355 | ₹85,444 |
| 48 months | ₹27,326 | ₹54,653 | ₹68,316 |
| 60 months | ₹23,268 | ₹46,537 | ₹58,171 |
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 ₹10 lakh is ₹23,600, usually deducted upfront, so about ₹9,76,400 reaches your account. Compare the APR and total amount payable in each lender’s KFS.
Try your own numbers
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Frequently asked questions
What is the EMI for a ₹10 lakh personal loan for 5 years?
About ₹23,268 a month at 14%, ₹21,742 at 11% and ₹25,393 at 18%.
What salary is needed for a ₹10 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 ₹68,355 or more. Many lenders also set their own minimum salary.
Can I get ₹10 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.