Stashfin EMI Calculator
Estimate your monthly EMI for a Stashfin personal loan at 11.99% - 59.99% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,884
per month
₹1,06,613
Total Payable
₹1,00,000
₹6,613
Stashfin Loan at a Glance
11.99% - 59.99% p.a.
Interest Rate
₹5,00,000
Max Loan
3 – 48 months
Tenure
Two upfront fees: platform fee 2.85% + 18% GST and transaction fee 3% + 18% GST (≈5.85% + GST combined). Akara's fee schedule instead says transaction fee up to
Processing Fee
Within minutes
Disbursal
What a ₹1,00,000 Stashfin Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 11.99% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,884
Monthly EMI
₹6,608
Total Interest
₹1,06,608
Total Repayment
Note: a processing fee (Two upfront fees: platform fee 2.85% + 18% GST and transaction fee 3% + 18% GST (≈5.85% + GST combined). Akara's fee schedule instead says transaction fee up to) and applicable GST are charged separately and are not included above.
Stashfin EMI Table @ 11.99% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,725 | ₹888 | ₹610 | ₹471 | ₹332 |
| ₹25,000 | ₹4,314 | ₹2,221 | ₹1,524 | ₹1,177 | ₹830 |
| ₹50,000 | ₹8,627 | ₹4,442 | ₹3,049 | ₹2,353 | ₹1,660 |
| ₹1,00,000 | ₹17,254 | ₹8,884 | ₹6,098 | ₹4,707 | ₹3,321 |
| ₹2,00,000 | ₹34,509 | ₹17,769 | ₹12,195 | ₹9,414 | ₹6,642 |
| ₹5,00,000 | ₹86,272 | ₹44,422 | ₹30,489 | ₹23,534 | ₹16,605 |
* EMI calculated using the reducing-balance method at 11.99% p.a. (1.00% per month). Your actual EMI depends on the rate Stashfin offers you. Rate sourced from Stashfin's official disclosures, verified 3 Oct 2026.
How Stashfin EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Stashfin 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, 11.99% ÷ 12 = 1.00%)
- n = number of monthly instalments (the tenure)
How to Lower Your Stashfin 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 11.99% - 59.99% 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 Stashfin?
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