Viva Money EMI Calculator
Estimate your monthly EMI for a Viva Money personal loan at 18% - 40% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹9,168
per month
₹1,10,016
Total Payable
₹1,00,000
₹10,016
Viva Money Loan at a Glance
18% - 40% p.a.
Interest Rate
₹2,00,000
Max Loan
5 months to 20 months
Tenure
4.5% to 5.7% + GST
Processing Fee
Claimed: approval and transfer in less than 15 minutes. Video KYC weekdays 9 a.m. to 9 p.m., weekends 10 a.m. to 7 p.m. October 2026 Play reviews report withdrawals stuck in progress for hours to days.
Disbursal
What a ₹1,00,000 Viva Money Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 18% p.a. — the interest is what you pay on top of the amount you borrow.
₹9,168
Monthly EMI
₹10,016
Total Interest
₹1,10,016
Total Repayment
Note: a processing fee (4.5% to 5.7% + GST) and applicable GST are charged separately and are not included above.
Viva Money EMI Table @ 18% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,755 | ₹917 | ₹638 | ₹499 | ₹362 |
| ₹25,000 | ₹4,388 | ₹2,292 | ₹1,595 | ₹1,248 | ₹904 |
| ₹50,000 | ₹8,776 | ₹4,584 | ₹3,190 | ₹2,496 | ₹1,808 |
| ₹1,00,000 | ₹17,553 | ₹9,168 | ₹6,381 | ₹4,992 | ₹3,615 |
| ₹2,00,000 | ₹35,105 | ₹18,336 | ₹12,761 | ₹9,985 | ₹7,230 |
* EMI calculated using the reducing-balance method at 18% p.a. (1.50% per month). Your actual EMI depends on the rate Viva Money offers you. Rate sourced from Viva Money's official disclosures, verified 30 Oct 2026.
How Viva Money EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Viva Money 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, 18% ÷ 12 = 1.50%)
- n = number of monthly instalments (the tenure)
How to Lower Your Viva Money 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 18% - 40% 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 Viva Money?
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