DigiCredit EMI Calculator
Estimate your monthly EMI for a DigiCredit personal loan at 36% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹10,046
per month
₹1,20,555
Total Payable
₹1,00,000
₹20,555
DigiCredit Loan at a Glance
36% p.a.
Interest Rate
₹1,00,000
Max Loan
2 – 12 months (site FAQ; Play listing says 62 – 120 days)
Tenure
Not disclosed
Processing Fee
Claimed approval in minutes with quick disbursal (marketing, unverified)
Disbursal
What a ₹1,00,000 DigiCredit Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 36% p.a. — the interest is what you pay on top of the amount you borrow.
₹10,046
Monthly EMI
₹20,552
Total Interest
₹1,20,552
Total Repayment
Note: a processing fee (Not disclosed) and applicable GST are charged separately and are not included above.
DigiCredit EMI Table @ 36% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,846 | ₹1,005 | ₹727 | ₹590 | ₹458 |
| ₹25,000 | ₹4,615 | ₹2,512 | ₹1,818 | ₹1,476 | ₹1,145 |
| ₹50,000 | ₹9,230 | ₹5,023 | ₹3,635 | ₹2,952 | ₹2,290 |
| ₹1,00,000 | ₹18,460 | ₹10,046 | ₹7,271 | ₹5,905 | ₹4,580 |
* EMI calculated using the reducing-balance method at 36% p.a. (3.00% per month). Your actual EMI depends on the rate DigiCredit offers you. Rate sourced from DigiCredit's official disclosures, verified 28 Jul 2026.
How DigiCredit EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. DigiCredit 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, 36% ÷ 12 = 3.00%)
- n = number of monthly instalments (the tenure)
How to Lower Your DigiCredit 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 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 DigiCredit?
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