CashPey EMI Calculator
Estimate your monthly EMI for a CashPey personal loan at 18% - 36% 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
CashPey Loan at a Glance
18% - 36% p.a.
Interest Rate
₹5,00,000
Max Loan
6 – 36 months
Tenure
Up to 10% + 18% GST (Play listing); 5% + GST on cashpey.com
Processing Fee
Within 24 hours of approval (app.cashpey.com claim; not verified)
Disbursal
What a ₹1,00,000 CashPey 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 (Up to 10% + 18% GST (Play listing); 5% + GST on cashpey.com) and applicable GST are charged separately and are not included above.
CashPey 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 |
| ₹2,00,000 | ₹35,105 | ₹18,336 | ₹12,761 | ₹9,985 | ₹7,230 |
| ₹5,00,000 | ₹87,763 | ₹45,840 | ₹31,903 | ₹24,962 | ₹18,076 |
* EMI calculated using the reducing-balance method at 18% p.a. (1.50% per month). Your actual EMI depends on the rate CashPey offers you. Rate sourced from CashPey's official disclosures, verified 6 Oct 2026.
How CashPey EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. CashPey 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 CashPey 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% - 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 CashPey?
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