IDFC First Bank Personal Loan EMI Calculator


  • Know your payments in advance with IDFC First Bank Personal Loan EMI Calculator.
  • Choose suitable tenure for your loan & EMI.

You would hardly find anyone who does not use a loan calculator before availing the loan. If you apply for a personal loan at IDFC First Bank, you would definitely expect the lowest possible EMI so that you can manage your other finances smoothly. In this article, you may find below the example wherein the details are based on the default values. You can change the values as per your query to know your EMI and other interest-related payments.

EMI Calculator for Personal Loan
Loan Amount (₹)
Interest Rate (%)
Tenure (Month)
Loan Amount
Interest Rate
Monthly Instalment (EMI)
Total Interest Amount
Total Amount (Principal + Interest)
YearPrincipalInterestBalance Amount

IDFC First Bank Personal Loan EMI Calculator

As mentioned above, a loan EMI calculator is the most convenient way to check your EMIs. It takes into account the basic details such as the loan amount, rate of interest and tenure. Based on these, it shows the EMI, total interest outgo and total amount that you have to pay for the personal loan.

How much EMI would you pay on the loan?

Suppose, you want to take a personal loan worth ₹4 lakhs for 4 years. You are expecting the lowest rate of interest which, at IDFC First Bank, is 12% per annum. The EMI you will then have to pay would be as follows:

Table Showing EMI, Interest Outgo, and Total Repayment Amount

Loan AmountInterest RateTenureMonthly InstalmentTotal Interest AmountTotal Amount
₹ 4,00,00012%1₹ 35,540₹ 26,474₹ 4,26,474
₹ 4,00,00012%2₹ 18,829₹ 51,905₹ 4,51,905
₹ 4,00,00012%3₹ 13,286₹ 78,286₹ 4,78,286
₹ 4,00,00012%4₹ 10,534₹ 1,05,610₹ 5,05,610

EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

YearPrincipalInterestBalance Amount
1₹ 82,861₹ 43,541₹ 3,17,138
2₹ 93,370₹ 33,032₹ 2,23,767
3₹ 1,05,212₹ 21,190₹ 1,18,555
4₹ 1,18,660₹ 7847₹ 0

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