Piramal Finance EMI Calculator
Estimate your monthly EMI for a Piramal Finance personal loan at 12.99% - 24% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,931
per month
₹1,07,175
Total Payable
₹1,00,000
₹7,175
Piramal Finance Loan at a Glance
12.99% - 24% p.a.
Interest Rate
₹5,00,000
Max Loan
9 – 60 months
Tenure
Up to 5% of loan amount
Processing Fee
Within 48 hours
Disbursal
What a ₹1,00,000 Piramal Finance Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 12.99% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,931
Monthly EMI
₹7,172
Total Interest
₹1,07,172
Total Repayment
Note: a processing fee (Up to 5% of loan amount) and applicable GST are charged separately and are not included above.
Piramal Finance EMI Table @ 12.99% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,730 | ₹893 | ₹614 | ₹475 | ₹337 |
| ₹25,000 | ₹4,326 | ₹2,233 | ₹1,536 | ₹1,188 | ₹842 |
| ₹50,000 | ₹8,652 | ₹4,466 | ₹3,072 | ₹2,377 | ₹1,684 |
| ₹1,00,000 | ₹17,304 | ₹8,931 | ₹6,144 | ₹4,754 | ₹3,369 |
| ₹2,00,000 | ₹34,608 | ₹17,863 | ₹12,289 | ₹9,507 | ₹6,738 |
| ₹5,00,000 | ₹86,519 | ₹44,656 | ₹30,721 | ₹23,769 | ₹16,845 |
* EMI calculated using the reducing-balance method at 12.99% p.a. (1.08% per month). Your actual EMI depends on the rate Piramal Finance offers you. Rate sourced from Piramal Finance's official disclosures, verified 18 Jun 2026.
How Piramal Finance EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Piramal Finance 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, 12.99% ÷ 12 = 1.08%)
- n = number of monthly instalments (the tenure)
How to Lower Your Piramal Finance 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 12.99% - 24% 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 Piramal Finance?
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