BlinkMoney EMI Calculator
Estimate your monthly EMI for a BlinkMoney personal loan at 9% - 15% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,745
per month
₹1,04,942
Total Payable
₹1,00,000
₹4,942
BlinkMoney Loan at a Glance
9% - 15% p.a.
Interest Rate
₹2,00,00,000
Max Loan
Not published
Tenure
Up to ₹10,000 or 5% of the credit limit, whichever is higher, plus GST, per DSP Finance's schedule of charges
Processing Fee
No time promised by BlinkMoney ('Approval and disbursal times depend on verification, pledge completion, lender and banking availability'); DSP Finance says it disburses instantly and advertises a loan in under 5 minutes.
Disbursal
What a ₹1,00,000 BlinkMoney Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 9% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,745
Monthly EMI
₹4,940
Total Interest
₹1,04,940
Total Repayment
Note: a processing fee (Up to ₹10,000 or 5% of the credit limit, whichever is higher, plus GST, per DSP Finance's schedule of charges) and applicable GST are charged separately and are not included above.
BlinkMoney EMI Table @ 9% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,711 | ₹875 | ₹596 | ₹457 | ₹318 |
| ₹25,000 | ₹4,277 | ₹2,186 | ₹1,490 | ₹1,142 | ₹795 |
| ₹50,000 | ₹8,553 | ₹4,373 | ₹2,980 | ₹2,284 | ₹1,590 |
| ₹1,00,000 | ₹17,107 | ₹8,745 | ₹5,960 | ₹4,568 | ₹3,180 |
| ₹2,00,000 | ₹34,214 | ₹17,490 | ₹11,920 | ₹9,137 | ₹6,360 |
| ₹5,00,000 | ₹85,534 | ₹43,726 | ₹29,799 | ₹22,842 | ₹15,900 |
| ₹10,00,000 | ₹1,71,069 | ₹87,451 | ₹59,598 | ₹45,685 | ₹31,800 |
* EMI calculated using the reducing-balance method at 9% p.a. (0.75% per month). Your actual EMI depends on the rate BlinkMoney offers you. Rate sourced from BlinkMoney's official disclosures, verified 4 Nov 2026.
How BlinkMoney EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. BlinkMoney 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, 9% ÷ 12 = 0.75%)
- n = number of monthly instalments (the tenure)
How to Lower Your BlinkMoney 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 9% - 15% 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 BlinkMoney?
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