Aditya Birla Personal Loan EMI Calculator
Estimate your monthly EMI for a Aditya Birla Personal Loan personal loan at 10.99% - 28% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,838
per month
₹1,06,052
Total Payable
₹1,00,000
₹6,052
Aditya Birla Personal Loan Loan at a Glance
10.99% - 28% p.a.
Interest Rate
₹50,00,000
Max Loan
12 – 84 months
Tenure
~1% – 4% + GST by profile (ABCD listings show 1% – 3.5% + GST); no single published figure
Processing Fee
24–48 hours after approval; the ABCD app claims in-principle approval in minutes and disbursal within 24 hours
Disbursal
What a ₹1,00,000 Aditya Birla Personal Loan Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 10.99% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,838
Monthly EMI
₹6,056
Total Interest
₹1,06,056
Total Repayment
Note: a processing fee (~1% – 4% + GST by profile (ABCD listings show 1% – 3.5% + GST); no single published figure) and applicable GST are charged separately and are not included above.
Aditya Birla Personal Loan EMI Table @ 10.99% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,720 | ₹884 | ₹605 | ₹466 | ₹327 |
| ₹25,000 | ₹4,301 | ₹2,209 | ₹1,513 | ₹1,165 | ₹818 |
| ₹50,000 | ₹8,602 | ₹4,419 | ₹3,026 | ₹2,330 | ₹1,637 |
| ₹1,00,000 | ₹17,205 | ₹8,838 | ₹6,051 | ₹4,660 | ₹3,273 |
| ₹2,00,000 | ₹34,410 | ₹17,675 | ₹12,103 | ₹9,321 | ₹6,547 |
| ₹5,00,000 | ₹86,025 | ₹44,188 | ₹30,257 | ₹23,302 | ₹16,367 |
| ₹10,00,000 | ₹1,72,050 | ₹88,377 | ₹60,514 | ₹46,603 | ₹32,734 |
* EMI calculated using the reducing-balance method at 10.99% p.a. (0.92% per month). Your actual EMI depends on the rate Aditya Birla Personal Loan offers you. Rate sourced from Aditya Birla Personal Loan's official disclosures, verified 28 Jul 2026.
How Aditya Birla Personal Loan EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Aditya Birla Personal Loan 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, 10.99% ÷ 12 = 0.92%)
- n = number of monthly instalments (the tenure)
How to Lower Your Aditya Birla Personal Loan 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 10.99% - 28% 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 Aditya Birla Personal Loan?
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