TezCredit EMI Calculator
Estimate your monthly EMI for a TezCredit personal loan at 12% - 36% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,885
per month
₹1,06,619
Total Payable
₹1,00,000
₹6,619
TezCredit Loan at a Glance
12% - 36% p.a.
Interest Rate
₹2,50,000
Max Loan
3 months to 60 months
Tenure
Up to 5% + GST
Processing Fee
FAQ: sanctioned "within a few hours after approval"; Finagle: "disbursed within hours post KYC". Many recent Play reviews report loans shown as disbursed that had not reached the bank days later.
Disbursal
What a ₹1,00,000 TezCredit Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 12% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,885
Monthly EMI
₹6,620
Total Interest
₹1,06,620
Total Repayment
Note: a processing fee (Up to 5% + GST) and applicable GST are charged separately and are not included above.
TezCredit EMI Table @ 12% 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 | ₹1,525 | ₹1,177 | ₹830 |
| ₹50,000 | ₹8,627 | ₹4,442 | ₹3,049 | ₹2,354 | ₹1,661 |
| ₹1,00,000 | ₹17,255 | ₹8,885 | ₹6,098 | ₹4,707 | ₹3,321 |
| ₹2,00,000 | ₹34,510 | ₹17,770 | ₹12,196 | ₹9,415 | ₹6,643 |
* EMI calculated using the reducing-balance method at 12% p.a. (1.00% per month). Your actual EMI depends on the rate TezCredit offers you. Rate sourced from TezCredit's official disclosures, verified 30 Oct 2026.
How TezCredit EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. TezCredit 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% ÷ 12 = 1.00%)
- n = number of monthly instalments (the tenure)
How to Lower Your TezCredit 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% - 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 TezCredit?
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