True Fund EMI Calculator
Estimate your monthly EMI for a True Fund personal loan at 16% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹9,073
per month
₹1,08,877
Total Payable
₹1,00,000
₹8,877
True Fund Loan at a Glance
16% p.a.
Interest Rate
₹5,00,000
Max Loan
Not disclosed
Tenure
Not clearly disclosed — indexed FAQ content suggests roughly 3%–15% + 18% GST
Processing Fee
Marketed as instant; not independently verified
Disbursal
What a ₹1,00,000 True Fund Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 16% p.a. — the interest is what you pay on top of the amount you borrow.
₹9,073
Monthly EMI
₹8,876
Total Interest
₹1,08,876
Total Repayment
Note: a processing fee (Not clearly disclosed — indexed FAQ content suggests roughly 3%–15% + 18% GST) and applicable GST are charged separately and are not included above.
True Fund EMI Table @ 16% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,745 | ₹907 | ₹629 | ₹490 | ₹352 |
| ₹25,000 | ₹4,363 | ₹2,268 | ₹1,571 | ₹1,224 | ₹879 |
| ₹50,000 | ₹8,727 | ₹4,537 | ₹3,143 | ₹2,448 | ₹1,758 |
| ₹1,00,000 | ₹17,453 | ₹9,073 | ₹6,286 | ₹4,896 | ₹3,516 |
| ₹2,00,000 | ₹34,906 | ₹18,146 | ₹12,571 | ₹9,793 | ₹7,031 |
| ₹5,00,000 | ₹87,265 | ₹45,365 | ₹31,428 | ₹24,482 | ₹17,579 |
* EMI calculated using the reducing-balance method at 16% p.a. (1.33% per month). Your actual EMI depends on the rate True Fund offers you. Rate sourced from True Fund's official disclosures, verified 28 Jul 2026.
How True Fund EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. True Fund 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, 16% ÷ 12 = 1.33%)
- n = number of monthly instalments (the tenure)
How to Lower Your True Fund 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 16% 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 True Fund?
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