Lendingkart EMI Calculator
Estimate your monthly EMI for a Lendingkart personal loan at 13.5% - 35% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,955
per month
₹1,07,462
Total Payable
₹1,00,000
₹7,462
Lendingkart Loan at a Glance
13.5% - 35% p.a.
Interest Rate
₹50,00,000
Max Loan
12 months to 36 months
Tenure
Up to 3% + GST
Processing Fee
Within 3 working days of approval, as published (no faster time promised)
Disbursal
What a ₹1,00,000 Lendingkart Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 13.5% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,955
Monthly EMI
₹7,460
Total Interest
₹1,07,460
Total Repayment
Note: a processing fee (Up to 3% + GST) and applicable GST are charged separately and are not included above.
Lendingkart EMI Table @ 13.5% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,733 | ₹896 | ₹617 | ₹478 | ₹339 |
| ₹25,000 | ₹4,332 | ₹2,239 | ₹1,542 | ₹1,194 | ₹848 |
| ₹50,000 | ₹8,665 | ₹4,478 | ₹3,084 | ₹2,389 | ₹1,697 |
| ₹1,00,000 | ₹17,329 | ₹8,955 | ₹6,168 | ₹4,778 | ₹3,394 |
| ₹2,00,000 | ₹34,658 | ₹17,910 | ₹12,336 | ₹9,555 | ₹6,787 |
| ₹5,00,000 | ₹86,645 | ₹44,776 | ₹30,841 | ₹23,889 | ₹16,968 |
| ₹10,00,000 | ₹1,73,290 | ₹89,552 | ₹61,681 | ₹47,777 | ₹33,935 |
* EMI calculated using the reducing-balance method at 13.5% p.a. (1.13% per month). Your actual EMI depends on the rate Lendingkart offers you. Rate sourced from Lendingkart's official disclosures, verified 4 Nov 2026.
How Lendingkart EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Lendingkart 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, 13.5% ÷ 12 = 1.13%)
- n = number of monthly instalments (the tenure)
How to Lower Your Lendingkart 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 13.5% - 35% 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 Lendingkart?
Check your eligibility in under two minutes — no impact on your credit score — and see the rate and EMI you actually qualify for.
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