AbhiCash EMI Calculator
Estimate your monthly EMI for a AbhiCash personal loan at 14% - 36% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,979
per month
₹1,07,745
Total Payable
₹1,00,000
₹7,745
AbhiCash Loan at a Glance
14% - 36% p.a.
Interest Rate
₹2,00,000
Max Loan
2 months to 12 months
Tenure
₹500 to ₹11,918 depending on loan amount and tenure, GST treatment not stated (Play listing)
Processing Fee
Website: approval "typically takes just a few hours" and funds arrive "within 24 hours of approval". Recent Play reviewers report applications still under process after 10 days and loans never disbursed.
Disbursal
What a ₹1,00,000 AbhiCash Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 14% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,979
Monthly EMI
₹7,748
Total Interest
₹1,07,748
Total Repayment
Note: a processing fee (₹500 to ₹11,918 depending on loan amount and tenure, GST treatment not stated (Play listing)) and applicable GST are charged separately and are not included above.
AbhiCash EMI Table @ 14% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,735 | ₹898 | ₹619 | ₹480 | ₹342 |
| ₹25,000 | ₹4,338 | ₹2,245 | ₹1,548 | ₹1,200 | ₹854 |
| ₹50,000 | ₹8,677 | ₹4,489 | ₹3,096 | ₹2,401 | ₹1,709 |
| ₹1,00,000 | ₹17,354 | ₹8,979 | ₹6,192 | ₹4,801 | ₹3,418 |
| ₹2,00,000 | ₹34,708 | ₹17,957 | ₹12,383 | ₹9,603 | ₹6,836 |
* EMI calculated using the reducing-balance method at 14% p.a. (1.17% per month). Your actual EMI depends on the rate AbhiCash offers you. Rate sourced from AbhiCash's official disclosures, verified 30 Oct 2026.
How AbhiCash EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. AbhiCash uses the standard reducing-balance formula, so the interest portion shrinks every month as your outstanding balance falls.
- P = principal (the amount you borrow)
- r = monthly interest rate = annual rate ÷ 12 ÷ 100 (here, 14% ÷ 12 = 1.17%)
- n = number of monthly instalments (the tenure)
How to Lower Your AbhiCash EMI
Choose a longer tenure
Spreading the loan over more months cuts each EMI — but raises total interest, so balance affordability against cost.
Borrow only what you need
A smaller principal means a smaller EMI. Avoid topping up just because a higher limit is offered.
Improve your credit score
A higher CIBIL score can earn a lower rate than 14% - 36% p.a., directly reducing your EMI.
Prepay when you can
Part-prepaying early in the tenure lowers the outstanding balance and the interest you pay on every future EMI.
Ready to apply with AbhiCash?
Check your eligibility in under two minutes — no impact on your credit score — and see the rate and EMI you actually qualify for.
Check Your Eligibility