RuleMudra EMI Calculator
Estimate your monthly EMI for a RuleMudra personal loan at 365% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹31,727
per month
₹3,80,726
Total Payable
₹1,00,000
₹2,80,726
RuleMudra Loan at a Glance
365% p.a.
Interest Rate
₹1,00,000
Max Loan
15 days to 3 months
Tenure
2% to 10% + GST
Processing Fee
Home page: 'within minutes after approval'; terms: 'typically disbursed within 2 to 24 hours'; FAQ: within 24 hrs after the loan agreement is submitted. Not verified (no reviews, no test loan).
Disbursal
What a ₹1,00,000 RuleMudra Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 365% p.a. — the interest is what you pay on top of the amount you borrow.
₹31,727
Monthly EMI
₹2,80,724
Total Interest
₹3,80,724
Total Repayment
Note: a processing fee (2% to 10% + GST) and applicable GST are charged separately and are not included above.
RuleMudra EMI Table @ 365% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹3,818 | ₹3,173 | ₹3,067 | ₹3,047 | ₹3,042 |
| ₹25,000 | ₹9,544 | ₹7,932 | ₹7,669 | ₹7,617 | ₹7,605 |
| ₹50,000 | ₹19,088 | ₹15,864 | ₹15,337 | ₹15,234 | ₹15,209 |
| ₹1,00,000 | ₹38,175 | ₹31,727 | ₹30,674 | ₹30,469 | ₹30,419 |
* EMI calculated using the reducing-balance method at 365% p.a. (30.42% per month). Your actual EMI depends on the rate RuleMudra offers you. Rate sourced from RuleMudra's official disclosures, verified 4 Nov 2026.
How RuleMudra EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. RuleMudra 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, 365% ÷ 12 = 30.42%)
- n = number of monthly instalments (the tenure)
How to Lower Your RuleMudra 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 365% 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 RuleMudra?
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