Calculate your IDBI Bank personal loan EMI instantly. Current rate starts from 10.50 - 14.50% p.a. with tenure up to 5 years.
| Year | Principal | Interest | Balance |
|---|
IDBI Bank offers personal loan starting from 10.50 - 14.50% per annum with a maximum tenure of 5 years. The processing fee is 1% of loan amount + GST. Prepayment policy: 3% of outstanding.
Tenure: 3 years
| Loan Amount | Monthly EMI | Total Interest | Total Payment |
|---|---|---|---|
| ₹1 Lakh | ₹3,250 | ₹17,000 | ₹1,17,000 |
| ₹2 Lakh | ₹6,500 | ₹34,000 | ₹2,34,000 |
| ₹3 Lakh | ₹9,751 | ₹51,036 | ₹3,51,036 |
| ₹4 Lakh | ₹13,001 | ₹68,036 | ₹4,68,036 |
| ₹5 Lakh | ₹16,251 | ₹85,036 | ₹5,85,036 |
| ₹7 Lakh | ₹22,752 | ₹1,19,072 | ₹8,19,072 |
| ₹10 Lakh | ₹32,502 | ₹1,70,072 | ₹11,70,072 |
| ₹15 Lakh | ₹48,754 | ₹2,55,144 | ₹17,55,144 |
| ₹20 Lakh | ₹65,005 | ₹3,40,180 | ₹23,40,180 |
| ₹25 Lakh | ₹81,256 | ₹4,25,216 | ₹29,25,216 |
IDBI Bank offers Personal Loan at interest rates starting from 10.50 - 14.50% per annum in 2026. The actual rate depends on your credit score, income, loan amount, and relationship with the bank.
The EMI for a ₹7 Lakh Personal Loan from IDBI Bank at 10.5% for 3 years is approximately ₹22,752 per month. Use the calculator above to check EMI for different amounts.
IDBI Bank offers Personal Loan up to ₹10 Lakh with a maximum tenure of 5 years, subject to eligibility criteria and income assessment.
The processing fee for IDBI Bank Personal Loan is 1% of loan amount + GST. Prepayment charges: 3% of outstanding.
You can apply for IDBI Bank Personal Loan online through their official website or by visiting the nearest branch. You will need documents such as identity proof, address proof, income proof, and bank statements. Use the EMI calculator above to plan your loan before applying.