Ram Fincorp EMI Calculator
Estimate your monthly EMI for a Ram Fincorp personal loan at 15% - 35% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹9,026
per month
₹1,08,310
Total Payable
₹1,00,000
₹8,310
Ram Fincorp Loan at a Glance
15% - 35% p.a.
Interest Rate
₹2,00,000
Max Loan
3 – 12 months
Tenure
Up to 5% + GST, deducted upfront from disbursal
Processing Fee
~30 minutes to same day (claimed)
Disbursal
What a ₹1,00,000 Ram Fincorp Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 15% p.a. — the interest is what you pay on top of the amount you borrow.
₹9,026
Monthly EMI
₹8,312
Total Interest
₹1,08,312
Total Repayment
Note: a processing fee (Up to 5% + GST, deducted upfront from disbursal) and applicable GST are charged separately and are not included above.
Ram Fincorp EMI Table @ 15% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,740 | ₹903 | ₹624 | ₹485 | ₹347 |
| ₹25,000 | ₹4,351 | ₹2,256 | ₹1,560 | ₹1,212 | ₹867 |
| ₹50,000 | ₹8,702 | ₹4,513 | ₹3,119 | ₹2,424 | ₹1,733 |
| ₹1,00,000 | ₹17,403 | ₹9,026 | ₹6,238 | ₹4,849 | ₹3,467 |
| ₹2,00,000 | ₹34,807 | ₹18,052 | ₹12,477 | ₹9,697 | ₹6,933 |
* EMI calculated using the reducing-balance method at 15% p.a. (1.25% per month). Your actual EMI depends on the rate Ram Fincorp offers you. Rate sourced from Ram Fincorp's official disclosures, verified 28 Jul 2026.
How Ram Fincorp EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Ram Fincorp 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, 15% ÷ 12 = 1.25%)
- n = number of monthly instalments (the tenure)
How to Lower Your Ram Fincorp 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 15% - 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 Ram Fincorp?
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