About Personal Loan

When it comes to having a flexible financing option, personal loans are usually preferred given their flexibility of usage, minimum required documentation, quick processing time, and shorter repayment tenure of 1-5 years. So far as the Annual Percentage Rate, or APR, for a personal loan is concerned, it is determined based on the profile of the loan applicant as well as the lender. The rate may vary from 11.29% to 35%.

For instance, if a person applies for a loan of Rs. 4.5 lakhs at 15.5% to be repaid in 3 years, the EMI will come to Rs. 15, 710. This means, at the end of 3 years, the person will have to pay a total of Rs. 5,63,553, which will include the total payable interest of Rs 1,15,553. The amount that you finally pay, however, will not include any other applicable charges like a loan processing charge of 2%, which is equal to Rs. 9000 in this case, documentation charge of Rs. 500, and amortization schedule charge of Rs. 200.

In addition, if there is any change in the mode of payment or there is any kind of swapping of a post-dated cheque, the additional fees are applicable accordingly. The prepayment options, which may or may not be available, and the applicable charges may vary based on the provisions of the lending institution.

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Now apply for a personal Loan online, All you need to do is provide your details below application form.

Interest Rate

9.60% - 15.65%

Tenure

Upto 72 months

Processing Fee

1%

Loan Amount

₹ 50,000 to ₹ 15 Lakh

Minimum Income

₹ 24,000

Eligible Age - 21 to 58 years
Part Prepayment Charges - Not Allowed
Foreclosure Charges - Allowed after 6 months with charges ranging from, 3% of the outstanding loan amount.

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Interest Rate

10.25% - 17.99%

Tenure

Upto 48 months

Processing Fee

Starting from Rs.1999

Loan Amount

₹ 1 Lakh to ₹ 50 Lakh

Minimum Income

₹ 40,000

Eligible Age - 22 to 55 years
Part Prepayment Charges - Not Allowed
Foreclosure Charges - Allowed after 12 months with charges ranging from, 5% foreclosure charges of the outstanding loan amount.

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Interest Rate

12.00% - 13.50%

Tenure

Upto 60 months

Processing Fee

1%

Loan Amount

₹ 50,000 to ₹ 10 Lakh

Minimum Income

₹ 20,000

Eligible Age - 22 to 60 years
Part Prepayment Charges - Allowed after paying 1 EMIs with charges ranging from, 2% of the outstanding loan amount + applicable taxes of the outstanding loan amount.
Foreclosure Charges - Allowed after 1 months with charges ranging from, Nil prepayment charges of the outstanding loan amount.

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Interest Rate

10.25% - 22.00%

Tenure

Upto 60 months

Processing Fee

Upto 2.50% Min Rs. 999

Loan Amount

₹ 50,000 to ₹ 75 Lakh

Minimum Income

₹ 25,000

Eligible Age - 21 to 60 years
Part Prepayment Charges - Allowed after paying 12 EMIs with charges ranging from, 2-4% of the outstanding loan amount.
Foreclosure Charges - Allowed after 12 months with charges ranging from, 2 - 4% of the outstanding loan amount

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Interest Rate

14.00% - 23.00%

Tenure

Upto 60 months

Processing Fee

Up to 3.5%

Loan Amount

₹ 1 Lakh to ₹ 20 Lakh

Minimum Income

₹ 25,000

Eligible Age - 25 to 60 years
Part Prepayment Charges - Not Allowed
Foreclosure Charges - Allowed after 18 months with charges ranging from, 3%-5% of the outstanding loan amount.

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Interest Rate

12.99% - 15.50%

Tenure

Upto 60 months

Processing Fee

Starting from 1.50%, Up to 3%

Loan Amount

₹ 1 Lakh to ₹ 25 Lakh

Minimum Income

₹ 27,000

Eligible Age - 25 to 58 years
Part Prepayment Charges - Allowed after paying 1 EMIs with charges ranging from, 2% of the outstanding loan amount.
Foreclosure Charges - Allowed after 1 months with charges ranging from, 4% of the outstanding loan amount..

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Interest Rate

11.99% - 18.99%

Tenure

Upto 48 months

Processing Fee

2%

Loan Amount

₹ 50,000 to ₹ 25 Lakh

Minimum Income

₹ 17,000

Eligible Age - 21 to 58 years
Part Prepayment Charges - Not allowed
Foreclosure Charges - Allowed after 6 months with charges ranging from, 1 -17 months: 7%, 18 - 23 months: 5%, 24 - 35 months: 3%, After 36 months: Nil of the outstanding loan amount

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Interest Rate

10.49% - 16.75%

Tenure

Upto 60 months

Processing Fee

Rs.4,999

Loan Amount

₹ 50,000 to ₹ 25 Lakh

Minimum Income

₹ 25,000

Eligible Age - 21 to 60 years
Part Prepayment Charges - Allowed after paying 1 EMIs with charges ranging from, 1-12 EMI-5%, 13-24 EMI-4%, 25-36 EMI-3% & Above 36 EMI-2% of the outstanding loan amount.
Foreclosure Charges - Allowed after 1 months with charges ranging from, 1-12 EMI-5%, 13-24 EMI-4%, 25-36 EMI-3% & Above 36 EMI-2% of the outstanding loan amount.

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Interest Rate

10.50% - 22.00%

Tenure

Upto 60 months

Processing Fee

Upto 2.25% of Loan Amount

Loan Amount

₹ 50,000 to ₹ 30 Lakh

Minimum Income

₹ 25,000

Eligible Age - 23 to 58 years
Part Prepayment Charges - Not Allowed
Foreclosure Charges - Allowed after 6 months with charges ranging from, 5% of the outstanding loan amount.

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Interest Rate

10.49% - 22.00%

Tenure

Upto 60 months

Processing Fee

2%

Loan Amount

₹ 1 Lakh to ₹ 40 Lakh

Minimum Income

₹ 20,000

Eligible Age - 23 to 60 years
Part Prepayment Charges - Allowed after paying 3 EMIs with charges ranging from, In case of Smart Personal Loan at Nil Charges of the outstanding loan amount.
Foreclosure Charges - Allowed after 12 months with charges ranging from, 5% foreclosure charges. Can foreclose after 3 months in case of smart personal loan of the outstanding loan amount.

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Interest Rate

11.25% - 17.99%

Tenure

Upto 72 months

Processing Fee

Upto 2.50% of Loan Amount

Loan Amount

₹ 75,000 to ₹ 25 Lakh

Minimum Income

₹ 20,000

Eligible Age - 21 to 58 years
Part Prepayment Charges - Allowed after paying 6 EMIs with charges ranging from, Nil prepayment charges of the outstanding loan amount.
Foreclosure Charges - Allowed after 6 months with charges ranging from, Rs. 1,000 to Rs. 5,000 of the outstanding loan amount.

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Calculate Your Personal Loan EMI Online

Loan Amount is 30000

No. of Month is 30

Rate of Interest [ROI] is 10

Monthly EMI

Total Interest

Payable Amount

Interest Percentage

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Features of Personal Loan

All loans are not created equal, personal loan has become a great option for people to use.

Faster Loan

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Choose your amount

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Basic Eligibility Criteria

✓

Good Credit Score

✓

Above 21 Years of Age

✓

Salaried Professional

✓

Resident of India

✓

Valid Bank Account

✓

PAN Card & Voter ID / Driving License

✓

Bank Statements – Last 3 Months

✓

Salary Slip – Last 3 Months

Why Choose Emax Loans?

End-to-End Consultation

We understand your requirements and guide you at every step.

Documentation Support

We help prepare and organize all required paperwork.

Profile Evaluation

We analyze your profile to identify suitable lenders.

Bank & NBFC Coordination

We handle communication with banks and NBFCs.

Faster Processing

We reduce unnecessary delays and speed up approvals.

Better Approval Chances

We apply strategically to improve your approval success rate.

Frequently Asked Questions

Find answers to the most common questions about our loan services.

Can I pay off my loan early?

Yes, you can repay your loan before the tenure ends. Early repayment helps you save on interest costs. However, in some cases, a small prepayment or foreclosure charge may apply depending on your loan agreement.

Do you offer refinancing?

Yes, we offer refinancing options that allow you to transfer your existing loan to us at better interest rates and flexible terms. This helps reduce your EMI burden and manage your finances more effectively.

When should I apply?

You can apply for a loan whenever you have a financial requirement. It is recommended to apply when you have a stable income and a good credit score, as it increases your chances of approval and helps you get better interest rates.

When you have urgent financial needs
When your credit score is strong
When you can manage EMI comfortably
When interest rates are favorable

Where are you located?

We operate across India with both online and offline services. You can apply for loans directly through our website or visit our office for personalized assistance. Contact us to find the nearest branch or support center.