Branch EMI Calculator
Estimate your monthly EMI for a Branch personal loan at 12% - 66% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,885
per month
₹1,06,619
Total Payable
₹1,00,000
₹6,619
Branch Loan at a Glance
12% - 66% p.a.
Interest Rate
₹5,00,000
Max Loan
4 months to 24 months
Tenure
Shown in the KFS and deducted upfront with GST
Processing Fee
Play says money reaches your bank in 2 minutes; the FAQ says loans are processed within 24 hours, in under 8 hours on average. Some recent reviewers report loans stuck at "disbursement pending".
Disbursal
What a ₹1,00,000 Branch Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 12% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,885
Monthly EMI
₹6,620
Total Interest
₹1,06,620
Total Repayment
Note: a processing fee (Shown in the KFS and deducted upfront with GST) and applicable GST are charged separately and are not included above.
Branch EMI Table @ 12% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,725 | ₹888 | ₹610 | ₹471 | ₹332 |
| ₹25,000 | ₹4,314 | ₹2,221 | ₹1,525 | ₹1,177 | ₹830 |
| ₹50,000 | ₹8,627 | ₹4,442 | ₹3,049 | ₹2,354 | ₹1,661 |
| ₹1,00,000 | ₹17,255 | ₹8,885 | ₹6,098 | ₹4,707 | ₹3,321 |
| ₹2,00,000 | ₹34,510 | ₹17,770 | ₹12,196 | ₹9,415 | ₹6,643 |
| ₹5,00,000 | ₹86,274 | ₹44,424 | ₹30,491 | ₹23,537 | ₹16,607 |
* EMI calculated using the reducing-balance method at 12% p.a. (1.00% per month). Your actual EMI depends on the rate Branch offers you. Rate sourced from Branch's official disclosures, verified 30 Oct 2026.
How Branch EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Branch 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, 12% ÷ 12 = 1.00%)
- n = number of monthly instalments (the tenure)
How to Lower Your Branch 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 12% - 66% 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 Branch?
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