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Personal Loan EMI Calculator - Airtel Flexi Credit

Calculate your personal loan EMIs and interest rate easily using the Personal Loan EMI calculator.
Adjust the tenure and loan amount to know the average interest amount.

Personal loan amount
Enter the loan amount


Tenure plan
Choose your tenure plan


Rate of interest
Adjust your interest rate






Online Personal Loan EMI Calculator

Manage your finances better and never default on your EMI payments with the Personal Loan EMI Calculator. Use the calculator before applying for the loan to pre-plan your expenses the smart way! Use the Personal Loan EMI Calculator from Airtel Flexi Credit to understand the exact amount of EMI including principal and interest.


How to Calculate the Personal Loan EMI?

Enter the personal loan amount you wish to apply for. Choose the loan tenure (ranging from 3 months to 60 months with Airtel Flexi Credit) and adjust the interest rate. The exact EMI amount will pop up. Adjust loan amount, interest rate, and loan tenure to find the perfect EMI plan for you.

How to apply for a Personal Loan?

Follow simple steps as mentioned below

  • Open Airtel Thanks app
    Find Shop > Airtel Finance

  • Select Flexi Credit
    Fill in your basic details

  • Get best offer
    Basis profile verification

  • Complete the KYC
    Link your bank account

Features of Personal Loan

With Airtel Flexi Credit you get below

1 /  

  • Personal loan amount
    ₹10,000 to ₹9,00,000
  • Interest rates
    Starting from 11.5% p.a.
  • Personal loan tenure
    03 to 60 months
  • Credit disbursal
    Within 24 hours
  • No paperwork
    100% online
  • Low processing fee
    2% to 4% + GST

FAQs on Personal Loan
EMI Calculator

What is EMI in Personal Loan?

Paying back large personal loan amounts could be difficult. The EMI ensures that you are paying back your loan but in smaller instalments every month. EMI includes both the interest and principal that you had borrowed and provides an easy way out for the repayment of your personal loan .

What is a Personal Loan EMI Calculator?

When you take a personal loan, there are multiple factors involved in the whole process. All these factors, such as the sum borrowed, the interest rate, and tenure, decide the amount of EMI you will be paying each month. Now, with the help of a personal loan EMI calculator, you will be able to see your EMI instantly. In addition, you can also reduce your EMI by increasing the tenure or reducing the loan amount. The personal loan EMI calculator helps you to deduce this.

What is the Personal Loan EMI Calculation Formula?

Your personal loan EMI is calculated using the following formula: P*R*(1+R)^N] / [(1+R)^N-1]
P stands for principal or the loan amount that you are borrowing from the lender
N stands for the loan tenure in terms of years
R stands for the rate of interest
The EMI is composed of the principal and the interest. As you keep paying your EMIs, your interest amount gets lower and lower. Toward the end of your loan tenure, you will mostly be paying the principal and very small interest.

How does Personal Loan EMI Calculator Tool work?

The personal loan EMI calculator tool works on the same EMI calculation formula that we have shown above. However, the entire process is digitised so you will not have to calculate anything by yourself. Simply put in the numbers as required, such as principal, interest rate & tenure, and the EMI calculator will present the right EMI for you, in an instant.

What all factors are considered in the Personal Loan EMI Calculator?

In a personal loan EMI calculator, your entire loan amount, the rate of interest, and the tenure are taken into consideration. A combination of all these factors helps to determine the amount of EMI payable by you, each month.

How to do payment of Personal Loan EMI?

Paying back your personal loan EMI is rather easy. You can simply go to the bank’s website to complete your monthly payments. Similarly, you could also install an app to make sure you can pay back your EMIs more easily. You can use the Airtel Thanks App to pay back your Airtel personal loan EMI.

What will happen if I miss paying my Personal Loan EMI?

Missing out on your personal loan EMI is never a good idea. If you do miss out on its payment, then you will have to repay it nevertheless, along with an additional fine. This has an impact on your credit score. Therefore, it is advisable to always pay your personal loan EMIs on time.

What is the due date for paying my EMI?

If you take a personal loan from the 1st to the 15th of any month, then you will have to pay the EMI by the 5th of next month. Similarly, if you get the loan anytime between the 16th to 31st, then the EMI will have to be paid in the paid by the next of next month.

How is EMI deducted from your Personal Loan?

You can always pay your EMI directly from the personal loan, without any hesitance. However, you could also automate the process by enabling an auto-pay feature where the EMI for the personal loan gets deducted from your bank account automatically. Whichever way you do it, ensure that you always pay the personal loan on time.

What is the interest rate of the Personal Loan EMI Calculator?

The interest rate on your personal loan depends on a variety of factors – how much loan you take, the loan tenure, and the EMI you are going to pay each month. Depending on these factors, your rate of interest is decided by the banking institution.

How to avail of Airtel personal loan EMI option?

Every Airtel Personal Loan comes with an EMI payment option. The monthly EMI amount is calculated as per the interest rate and the loan tenure. Adjust these values on the Personal Loan EMI Calculator to know the EMI amount for your personal loan. Airtel Personal Loans offer flexible options for payment.

How to reduce Personal Loan EMI?

There are multiple ways to reduce personal loan EMI.
  • Go for a step-down EMI plan, where you pay higher EMIs in the initial months and the EMI keeps decreasing as the loan tenure comes to an end.
  • Make a partial prepayment to reduce the principal and interest amount.
  • Transfer the balance loan to a lender with lower interest rates.

What is Personal Loan EMI for ₹1 lakh?

The personal loan EMI for ₹1 Lakh depends on many factors.
  • Loan tenure for payment
  • Interest rates charged by the lender
  • Any other charges or fees

What is Personal Loan EMI for ₹3 lakhs?

You can calculate the EMI for a loan of ₹3 Lakhs using Airtel Personal Loan EMI Calculator. Just enter the loan amount as ₹3 Lakhs, key in the interest rate (as charged by the lender), and choose the loan tenure as per your convenience to calculate the monthly EMI amount.

What is Personal Loan EMI for ₹5 lakhs?

The EMI for a personal loan of ₹5 Lakhs depends on the interest rates and loan tenure. Talk to your lender for these details. You can also use the personal loan EMI calculator online to know more.

How to repay your Personal Loan EMI in advance?

You can always choose to repay your personal loan EMI in advance. However, do note that you will be charged an extra penalty for this process. To know the process of how to repay your personal loan in advance, it is best advised that you reach out to your lender.

Do I get reminders for the Personal Loan EMI payment?

Most banks do send you an invite for the personal loan EMI payment. This is an especially good practice because if you do forget to pay your personal loan EMI payment on time, it could negatively affect your credit score. Moreover, you may also have to pay a penalty for missing out on your payments.

What is the max tenure duration available in Personal Loan EMI?

The tenure for your personal loan actually depends on a couple of factors. The total amount that you are willing to borrow, the interest rate, and the EMIs that you want to pay. Make sure that you and your lender are on the same page about all these factors before you apply for the loan.

What is the down payment for Personal Loan EMI?

A personal loan does not require any down payments as such. In addition, there are no collaterals involved with it either. You will simply need to pay your EMIs, which will consist of the principal and the interest to pay back your loan.

How much time does it take for Personal Loan EMI to be active?

You can get your personal loan approved in an instant. As soon as it gets disbursed, you will be able to use the funds. When it comes to repaying your EMI loan, you will have to start paying your EMIs from the next month itself.

Personal Loan Lending Partner -
Airtel Flexi Credit

What is a Personal Loan EMI Calculator?

The Airtel Personal Loan EMI Calculator is the easiest way to find out the EMI outgo in a few seconds. The EMI Calculator can help you know your monthly EMI according to the interest rates and loan tenure. A borrower’s monthly amount consists of both principal and interest amounts. The tenure of the loan and the interest rate directly impacts the EMI amount.

With the Personal Loan EMI Calculator, you can decide the tenure for your personal loan. Compare the EMI amount to your total disposable income. Try different combinations on the calculator and choose a tenure for easy repayment of the personal loan. Remember! Your EMIs must not exceed 40% of your total monthly income. The goal should be to maintain a normal lifestyle even after the payment of the monthly EMI.

Just key in the loan amount, select the interest rate and adjust the loan tenure in the calculator. The monthly EMI will be calculated in a few seconds.

Benefits of Airtel Personal Loan EMI calculator

The Personal Loan EMI Calculator can help you in many ways. Here are a few of them:

  • Easy to use – The Personal Loan EMI Calculator is relatively easy to use. Just put in the loan amount, interest rate, and tenure to find out your monthly EMI instantly.
  • Saves time – Understanding the repayment plan can be time-consuming. The Personal Loan EMI Calculator can bring the results instantly.
  • Aids in Financial Planning – Once you know your monthly EMI along with the loan tenure even before taking the loan, you can plan your future finances accordingly.

Use the calculator to know more.

Ways to get a lower EMI on a personal loan

A lower EMI on a personal loan can assist you in maintaining your normal lifestyle even after closing the monthly commitments. You can get lower EMI on your personal loan using multiple ways. Enlisted below are some of them:

Step-down EMI plan

The Step-down EMI plan is a plan offered by most lenders. Under this method, the EMI decreases every year during the loan tenure. Wondering how? The borrower pays a big chunk of the principal amount and interest amount in the early years of the loan. Once the principal amount reduces, the EMI amount also decreases.


Most lenders give borrowers the option to partially prepay the loan amount after paying a certain number of EMIs. If you have some extra money coming your way, you can partially pay the loan amount. This will reduce the principal amount and the interest charged. Part-prepayment will reduce your EMI amount.

Other than these, you can also opt for a balance transfer loan that would transfer your loan to another lender with lower interest rates. However, it is recommended to check extra charges for the same.

Why choose Airtel Personal Loan?

Choose Airtel Personal Loans for flexible EMIs, lower interest rates, instant disbursal, and a 100% digital and paperless application process! Apply for an Airtel Personal Loan here.