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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.
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. Invesco India PSU Equity Fund is a Equity - Sectoral fund was launched on 18 Nov 09. It is a fund with High risk and has given a Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure. HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a Below is the key information for HDFC Infrastructure Fund Returns up to 1 year are on 1. Invesco India PSU Equity Fund
CAGR/Annualized
return of 12.8% since its launch. Ranked 33 in Sectoral
category. Return for 2024 was 25.6% , 2023 was 54.5% and 2022 was 20.5% . Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (06 Jun 25) ₹64.69 ↑ 0.33 (0.51 %) Net Assets (Cr) ₹1,281 on 30 Apr 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.39 Sharpe Ratio -0.09 Information Ratio -0.3 Alpha Ratio 6.92 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 May 20 ₹10,000 31 May 21 ₹14,678 31 May 22 ₹15,757 31 May 23 ₹19,884 31 May 24 ₹40,074 31 May 25 ₹39,362 Returns for Invesco India PSU Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jun 25 Duration Returns 1 Month 9.6% 3 Month 21.8% 6 Month 0.1% 1 Year 3.1% 3 Year 36.4% 5 Year 30.1% 10 Year 15 Year Since launch 12.8% 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 Dhimant Kothari 19 May 20 5.04 Yr. Data below for Invesco India PSU Equity Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 29.48% Utility 26.88% Financial Services 22.09% Energy 16.43% Basic Materials 3.8% Asset Allocation
Asset Class Value Cash 1.31% Equity 98.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 5328989% ₹111 Cr 3,599,413 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL8% ₹109 Cr 3,455,627
↓ -438,992 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹108 Cr 1,365,114
↑ 113,571 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005478% ₹107 Cr 3,445,961 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL8% ₹105 Cr 233,477
↑ 58,122 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325556% ₹76 Cr 2,148,687
↑ 578,056 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN5% ₹59 Cr 5,911,723 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Nov 23 | HINDPETRO5% ₹59 Cr 1,564,169 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | BDL4% ₹52 Cr 338,824 NHPC Ltd (Utilities)
Equity, Since 31 Oct 22 | NHPC4% ₹51 Cr 5,962,963
↑ 2,141,456 2. HDFC Infrastructure Fund
CAGR/Annualized
return of since its launch. Ranked 26 in Sectoral
category. Return for 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% . HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (06 Jun 25) ₹47.762 ↑ 0.17 (0.35 %) Net Assets (Cr) ₹2,392 on 30 Apr 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.31 Sharpe Ratio -0.27 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹18,382 31 May 22 ₹20,960 31 May 23 ₹26,577 31 May 24 ₹47,409 31 May 25 ₹49,598 Returns for HDFC Infrastructure Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jun 25 Duration Returns 1 Month 7.8% 3 Month 16.5% 6 Month -1.5% 1 Year 7% 3 Year 33.8% 5 Year 35.7% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 23% 2023 55.4% 2022 19.3% 2021 43.2% 2020 -7.5% 2019 -3.4% 2018 -29% 2017 43.3% 2016 -1.9% 2015 -2.5% Fund Manager information for HDFC Infrastructure Fund
Name Since Tenure Srinivasan Ramamurthy 12 Jan 24 1.38 Yr. Dhruv Muchhal 22 Jun 23 1.94 Yr. Data below for HDFC Infrastructure Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 37.51% Financial Services 20.97% Basic Materials 11.02% Utility 7.56% Energy 6.75% Communication Services 4.01% Real Estate 2.2% Health Care 1.75% Technology 1.27% Consumer Cyclical 0.48% Asset Allocation
Asset Class Value Cash 6.48% Equity 93.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK8% ₹186 Cr 1,300,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK6% ₹135 Cr 700,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT5% ₹127 Cr 380,000 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL4% ₹94 Cr 1,450,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO3% ₹79 Cr 150,000 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 5325553% ₹78 Cr 2,200,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL3% ₹74 Cr 758,285 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹70 Cr 500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹65 Cr 350,000 Paradeep Phosphates Ltd (Basic Materials)
Equity, Since 31 May 22 | 5435303% ₹62 Cr 4,300,000
↓ -400,000