TapLend EMI Calculator
Estimate your monthly EMI for a TapLend personal loan at 24% - 36% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹9,456
per month
₹1,13,472
Total Payable
₹1,00,000
₹13,472
TapLend Loan at a Glance
24% - 36% p.a.
Interest Rate
₹2,00,000
Max Loan
2.1 months to 4.3 months
Tenure
2% to 10% + GST
Processing Fee
TapLend claims disbursal within 5 minutes of approval (Play listing says emergency funds in 10 mins); not verified
Disbursal
What a ₹1,00,000 TapLend Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 24% p.a. — the interest is what you pay on top of the amount you borrow.
₹9,456
Monthly EMI
₹13,472
Total Interest
₹1,13,472
Total Repayment
Note: a processing fee (2% to 10% + GST) and applicable GST are charged separately and are not included above.
TapLend EMI Table @ 24% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,785 | ₹946 | ₹667 | ₹529 | ₹392 |
| ₹25,000 | ₹4,463 | ₹2,364 | ₹1,668 | ₹1,322 | ₹981 |
| ₹50,000 | ₹8,926 | ₹4,728 | ₹3,335 | ₹2,644 | ₹1,962 |
| ₹1,00,000 | ₹17,853 | ₹9,456 | ₹6,670 | ₹5,287 | ₹3,923 |
| ₹2,00,000 | ₹35,705 | ₹18,912 | ₹13,340 | ₹10,574 | ₹7,847 |
* EMI calculated using the reducing-balance method at 24% p.a. (2.00% per month). Your actual EMI depends on the rate TapLend offers you. Rate sourced from TapLend's official disclosures, verified 30 Oct 2026.
How TapLend EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. TapLend 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, 24% ÷ 12 = 2.00%)
- n = number of monthly instalments (the tenure)
How to Lower Your TapLend 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 24% - 36% 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 TapLend?
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