Capital Now EMI Calculator
Estimate your monthly EMI for a Capital Now personal loan at 18% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹9,168
per month
₹1,10,016
Total Payable
₹1,00,000
₹10,016
Capital Now Loan at a Glance
18% p.a.
Interest Rate
₹1,50,000
Max Loan
3 months to 6 months
Tenure
No fee range published
Processing Fee
Claims disbursal within 10 minutes (Play, home page); Goldline's page speaks of approval within 24 hours. Many October 2026 reviews report loans stuck 'under review' for hours to several days.
Disbursal
What a ₹1,00,000 Capital Now Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 18% p.a. — the interest is what you pay on top of the amount you borrow.
₹9,168
Monthly EMI
₹10,016
Total Interest
₹1,10,016
Total Repayment
Note: a processing fee (No fee range published) and applicable GST are charged separately and are not included above.
Capital Now EMI Table @ 18% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,755 | ₹917 | ₹638 | ₹499 | ₹362 |
| ₹25,000 | ₹4,388 | ₹2,292 | ₹1,595 | ₹1,248 | ₹904 |
| ₹50,000 | ₹8,776 | ₹4,584 | ₹3,190 | ₹2,496 | ₹1,808 |
| ₹1,00,000 | ₹17,553 | ₹9,168 | ₹6,381 | ₹4,992 | ₹3,615 |
* EMI calculated using the reducing-balance method at 18% p.a. (1.50% per month). Your actual EMI depends on the rate Capital Now offers you. Rate sourced from Capital Now's official disclosures, verified 4 Nov 2026.
How Capital Now EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Capital Now 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, 18% ÷ 12 = 1.50%)
- n = number of monthly instalments (the tenure)
How to Lower Your Capital Now 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 18% 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 Capital Now?
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