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Personal Loan, also known as consumer loan, is a type of loan which is normally unsecured in nature, and is taken by an individual for a short period of time. It is basically taken to meet any financial need like family expenditure, home revamp, holiday or maybe for the procurement of any amenities either for personal or for commercial use and others. A personal loan is preferred to other loans as it requires minor documents, provides flexibility of usage and takes comparatively less processing time. Unlike other loans, it usually has a shorter repayment tenure ranging from 1-5 years.
An emi calculator is a quick and simple solution to pre-plan and balance your inflow and outflow of money so that you don’t run short of money at any point in time. An EMI calculator is a formula box with 3 inputs, namely - loan amount, loan tenure, and interest rate. Once you fill in the details, the calculator will tell you the EMI (Equal Monthly Installment) amount that you will need to give to the Bank every month, to repay your debts.
Personal Loan Interest:₹311,670.87 Interest per annum:14% Total Personal Payment: ₹1,311,670.87 Personal Loan Amortization Schedule (Monthly)Personal Loan EMI Calculator
Month No. EMI Principal Interest Cumulative Interest Pending Amount 1 ₹27,326.48 ₹15,659.81 1,400% ₹11,666.67 ₹984,340.19 2 ₹27,326.48 ₹15,842.51 1,400% ₹23,150.64 ₹968,497.68 3 ₹27,326.48 ₹16,027.34 1,400% ₹34,449.78 ₹952,470.35 4 ₹27,326.48 ₹16,214.32 1,400% ₹45,561.93 ₹936,256.02 5 ₹27,326.48 ₹16,403.49 1,400% ₹56,484.92 ₹919,852.53 6 ₹27,326.48 ₹16,594.86 1,400% ₹67,216.53 ₹903,257.67 7 ₹27,326.48 ₹16,788.47 1,400% ₹77,754.54 ₹886,469.2 8 ₹27,326.48 ₹16,984.34 1,400% ₹88,096.68 ₹869,484.86 9 ₹27,326.48 ₹17,182.49 1,400% ₹98,240.67 ₹852,302.38 10 ₹27,326.48 ₹17,382.95 1,400% ₹108,184.19 ₹834,919.43 11 ₹27,326.48 ₹17,585.75 1,400% ₹117,924.92 ₹817,333.68 12 ₹27,326.48 ₹17,790.92 1,400% ₹127,460.48 ₹799,542.76 13 ₹27,326.48 ₹17,998.48 1,400% ₹136,788.48 ₹781,544.28 14 ₹27,326.48 ₹18,208.46 1,400% ₹145,906.5 ₹763,335.82 15 ₹27,326.48 ₹18,420.89 1,400% ₹154,812.08 ₹744,914.93 16 ₹27,326.48 ₹18,635.8 1,400% ₹163,502.75 ₹726,279.13 17 ₹27,326.48 ₹18,853.22 1,400% ₹171,976.01 ₹707,425.91 18 ₹27,326.48 ₹19,073.17 1,400% ₹180,229.31 ₹688,352.74 19 ₹27,326.48 ₹19,295.69 1,400% ₹188,260.1 ₹669,057.04 20 ₹27,326.48 ₹19,520.81 1,400% ₹196,065.76 ₹649,536.23 21 ₹27,326.48 ₹19,748.55 1,400% ₹203,643.68 ₹629,787.68 22 ₹27,326.48 ₹19,978.95 1,400% ₹210,991.21 ₹609,808.72 23 ₹27,326.48 ₹20,212.04 1,400% ₹218,105.64 ₹589,596.68 24 ₹27,326.48 ₹20,447.85 1,400% ₹224,984.27 ₹569,148.83 25 ₹27,326.48 ₹20,686.41 1,400% ₹231,624.34 ₹548,462.43 26 ₹27,326.48 ₹20,927.75 1,400% ₹238,023.07 ₹527,534.68 27 ₹27,326.48 ₹21,171.91 1,400% ₹244,177.64 ₹506,362.77 28 ₹27,326.48 ₹21,418.91 1,400% ₹250,085.2 ₹484,943.86 29 ₹27,326.48 ₹21,668.8 1,400% ₹255,742.88 ₹463,275.06 30 ₹27,326.48 ₹21,921.6 1,400% ₹261,147.76 ₹441,353.46 31 ₹27,326.48 ₹22,177.35 1,400% ₹266,296.88 ₹419,176.11 32 ₹27,326.48 ₹22,436.09 1,400% ₹271,187.27 ₹396,740.02 33 ₹27,326.48 ₹22,697.84 1,400% ₹275,815.9 ₹374,042.18 34 ₹27,326.48 ₹22,962.65 1,400% ₹280,179.73 ₹351,079.53 35 ₹27,326.48 ₹23,230.55 1,400% ₹284,275.66 ₹327,848.98 36 ₹27,326.48 ₹23,501.57 1,400% ₹288,100.56 ₹304,347.41 37 ₹27,326.48 ₹23,775.76 1,400% ₹291,651.28 ₹280,571.65 38 ₹27,326.48 ₹24,053.14 1,400% ₹294,924.62 ₹256,518.51 39 ₹27,326.48 ₹24,333.76 1,400% ₹297,917.33 ₹232,184.75 40 ₹27,326.48 ₹24,617.65 1,400% ₹300,626.16 ₹207,567.1 41 ₹27,326.48 ₹24,904.86 1,400% ₹303,047.77 ₹182,662.24 42 ₹27,326.48 ₹25,195.42 1,400% ₹305,178.83 ₹157,466.82 43 ₹27,326.48 ₹25,489.36 1,400% ₹307,015.94 ₹131,977.45 44 ₹27,326.48 ₹25,786.74 1,400% ₹308,555.68 ₹106,190.71 45 ₹27,326.48 ₹26,087.58 1,400% ₹309,794.57 ₹80,103.13 46 ₹27,326.48 ₹26,391.94 1,400% ₹310,729.11 ₹53,711.19 47 ₹27,326.48 ₹26,699.85 1,400% ₹311,355.74 ₹27,011.34 48 ₹27,326.48 ₹27,011.34 1,400% ₹311,670.87 ₹0
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You can calculate your EMI Amount with the help of the mathematical formula given below: EMI Amount = [P x R x (1+R)^N]/[(1+R)^N-1] where P, R, and N are the variables
. This also means that the EMI value will change every time you change any of the 3 variables. Let’s discuss these 3 variables in detail. ‘P’ stands for the ‘Principal Amount’. The principal amount is the original loan amount given to you by the bank on which the interest will be calculated. ‘R’ stands for the rate of interest set by the bank. ‘N’ determines the number of years given for the repayment of the loan.
An EMI Calculator is a handy tool that calculates the monthly amount payable to the lender (Bank). To calculate the EMI applicable on your loan amount, you need to use the sliders above and adjust the values for principal Amount (P), Time duration (N), and Rate of interest (R). Follow these steps to calculate your EMI Amount:
EMI will be calculated instantaneously when you provide all required inputs.
This is the original amount lent to you by the bank/lender. The loan amount will depend on your need and the purpose of the loan. Higher the loan amount, higher will be the EMI.
The tenure of a loan refers to the total time given for the repayment of the loan. Since the repayment is done every month, the tenure is calculated in months and not in years. So, a tenure of 2 years is equal to 24 months. The
This is the rate at which the interest is charged on the principal loan amount. The interest rate varies depending on the type of loan taken and the lender (bank) from which the loan has been taken. The rate of interest has a direct bearing on your EMI amount; hence, it is important to compare interest rates across banks before opting for a loan.
There are several factors which affect the EMI calculation. Since the EMI broadly depends upon the principal amount, tenure, and the rate of interest. Any change in these variables can cause a change in the EMI amount. Prior to this, one should know that there are many other factors upon which the Personal loan (amount) granted may vary. For instance, your Credit Score. The more the credit score the better chances of getting the Personal loan (amount). Hence, you can manage your credit score by paying your credit card bills on time and keeping the credit card balance low. Besides, there are other criteria upon which the loan amount granted may differ from bank to bank, like
*Best funds based on 3 year performance.
"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Below is the key information for DSP World Gold Fund Returns up to 1 year are on To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. Research Highlights for Invesco India PSU Equity Fund Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (07 Aug 25) ₹34.0465 ↑ 0.59 (1.76 %) Net Assets (Cr) ₹1,202 on 30 Jun 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.35 Sharpe Ratio 1.8 Information Ratio -0.35 Alpha Ratio 1.97 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹8,272 31 Jul 22 ₹6,099 31 Jul 23 ₹7,748 31 Jul 24 ₹9,223 31 Jul 25 ₹13,652 Returns for DSP World Gold Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 7 Aug 25 Duration Returns 1 Month 11.1% 3 Month 17.9% 6 Month 37.7% 1 Year 73.5% 3 Year 35.4% 5 Year 8.2% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 15.9% 2023 7% 2022 -7.7% 2021 -9% 2020 31.4% 2019 35.1% 2018 -10.7% 2017 -4% 2016 52.7% 2015 -18.5% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.43 Yr. Data below for DSP World Gold Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Basic Materials 94.86% Asset Allocation
Asset Class Value Cash 2.29% Equity 95.12% Debt 0.02% Other 2.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -78% ₹935 Cr 1,610,898
↓ -37,716 VanEck Gold Miners ETF
- | GDX21% ₹255 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹14 Cr Net Receivables/Payables
CBLO | -0% -₹3 Cr 2. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (08 Aug 25) ₹61.19 ↓ -0.29 (-0.47 %) Net Assets (Cr) ₹1,439 on 30 Jun 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.39 Sharpe Ratio -0.23 Information Ratio -0.15 Alpha Ratio 0.81 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹14,085 31 Jul 22 ₹14,778 31 Jul 23 ₹20,815 31 Jul 24 ₹39,047 31 Jul 25 ₹34,468 Returns for Invesco India PSU Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 7 Aug 25 Duration Returns 1 Month -7.4% 3 Month 5.2% 6 Month 10.1% 1 Year -8.8% 3 Year 31.3% 5 Year 27.6% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.6% 2023 54.5% 2022 20.5% 2021 31.1% 2020 6.1% 2019 10.1% 2018 -16.9% 2017 24.3% 2016 17.9% 2015 2.5% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Hiten Jain 1 Jul 25 0.08 Yr. Sagar Gandhi 1 Jul 25 0.08 Yr. Data below for Invesco India PSU Equity Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Industrials 29.23% Utility 27.15% Financial Services 20.44% Energy 15.81% Basic Materials 4.05% Asset Allocation
Asset Class Value Cash 3.31% Equity 96.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL9% ₹134 Cr 3,178,489 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005478% ₹114 Cr 3,445,961 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹112 Cr 1,365,114 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL8% ₹110 Cr 226,465
↑ 12,941 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 5328988% ₹108 Cr 3,599,413 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325557% ₹103 Cr 3,085,790 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Nov 23 | HINDPETRO5% ₹69 Cr 1,564,169 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN4% ₹62 Cr 5,911,723 GAIL (India) Ltd (Utilities)
Equity, Since 28 Feb 23 | 5321554% ₹59 Cr 3,089,630 NHPC Ltd (Utilities)
Equity, Since 31 Oct 22 | NHPC4% ₹58 Cr 6,816,616
Research Highlights for DSP World Gold Fund