Looking for a 5 Lakh Personal Loan? Unsecured funding for personal needs, matched to lenders based on your income, credit profile and location.
Personal Loan is typically available from ₹25,000 to ₹5,000,000 over a tenure of 12–84 months, at indicative rates of 10.49%–24% p.a.
Lenders typically assess: Salaried or self-employed with a regular income; Minimum age 21, maximum age at loan maturity per lender policy; Reasonable existing obligations relative to income.
Eligibility and final terms are set by the lender at the time of application — the figures here are indicative starting points, not a guarantee of approval or of the exact rate you'll be offered.
5 Lakh Personal Loan EMI calculator
Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.
Maximum loan amount: ₹50,00,000
Indicative range for Personal Loan: 10.49% – 24.00%
Maximum tenure: 7 years (84 months)
Monthly EMI
₹16,249
Total interest
₹84,959
Total payment
₹5,84,959
Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.
Principal vs. interest
- Principal 85.5%
- Interest 14.5%
Principal & interest paid per year
Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.
Full breakdown, starting this month
Assumes your first EMI falls this month — click a period to see every month within it.
Sep 2026 – Aug 2027 Principal paid₹1,49,593 Interest paid₹45,393 Total paid₹1,94,986
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2026 | ₹11,878 | ₹4,371 | ₹16,249 | ₹4,88,122 |
| Oct 2026 | ₹11,982 | ₹4,267 | ₹16,249 | ₹4,76,140 |
| Nov 2026 | ₹12,087 | ₹4,162 | ₹16,249 | ₹4,64,054 |
| Dec 2026 | ₹12,192 | ₹4,057 | ₹16,249 | ₹4,51,861 |
| Jan 2027 | ₹12,299 | ₹3,950 | ₹16,249 | ₹4,39,562 |
| Feb 2027 | ₹12,406 | ₹3,843 | ₹16,249 | ₹4,27,156 |
| Mar 2027 | ₹12,515 | ₹3,734 | ₹16,249 | ₹4,14,641 |
| Apr 2027 | ₹12,624 | ₹3,625 | ₹16,249 | ₹4,02,017 |
| May 2027 | ₹12,735 | ₹3,514 | ₹16,249 | ₹3,89,282 |
| Jun 2027 | ₹12,846 | ₹3,403 | ₹16,249 | ₹3,76,437 |
| Jul 2027 | ₹12,958 | ₹3,291 | ₹16,249 | ₹3,63,478 |
| Aug 2027 | ₹13,071 | ₹3,177 | ₹16,249 | ₹3,50,407 |
Sep 2027 – Aug 2028 Principal paid₹1,66,062 Interest paid₹28,924 Total paid₹1,94,986
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2027 | ₹13,186 | ₹3,063 | ₹16,249 | ₹3,37,221 |
| Oct 2027 | ₹13,301 | ₹2,948 | ₹16,249 | ₹3,23,920 |
| Nov 2027 | ₹13,417 | ₹2,832 | ₹16,249 | ₹3,10,503 |
| Dec 2027 | ₹13,535 | ₹2,714 | ₹16,249 | ₹2,96,968 |
| Jan 2028 | ₹13,653 | ₹2,596 | ₹16,249 | ₹2,83,316 |
| Feb 2028 | ₹13,772 | ₹2,477 | ₹16,249 | ₹2,69,543 |
| Mar 2028 | ₹13,893 | ₹2,356 | ₹16,249 | ₹2,55,651 |
| Apr 2028 | ₹14,014 | ₹2,235 | ₹16,249 | ₹2,41,637 |
| May 2028 | ₹14,137 | ₹2,112 | ₹16,249 | ₹2,27,500 |
| Jun 2028 | ₹14,260 | ₹1,989 | ₹16,249 | ₹2,13,240 |
| Jul 2028 | ₹14,385 | ₹1,864 | ₹16,249 | ₹1,98,855 |
| Aug 2028 | ₹14,511 | ₹1,738 | ₹16,249 | ₹1,84,345 |
Sep 2028 – Aug 2029 Principal paid₹1,84,345 Interest paid₹10,642 Total paid₹1,94,986
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2028 | ₹14,637 | ₹1,611 | ₹16,249 | ₹1,69,707 |
| Oct 2028 | ₹14,765 | ₹1,484 | ₹16,249 | ₹1,54,942 |
| Nov 2028 | ₹14,894 | ₹1,354 | ₹16,249 | ₹1,40,048 |
| Dec 2028 | ₹15,025 | ₹1,224 | ₹16,249 | ₹1,25,023 |
| Jan 2029 | ₹15,156 | ₹1,093 | ₹16,249 | ₹1,09,867 |
| Feb 2029 | ₹15,288 | ₹960 | ₹16,249 | ₹94,579 |
| Mar 2029 | ₹15,422 | ₹827 | ₹16,249 | ₹79,157 |
| Apr 2029 | ₹15,557 | ₹692 | ₹16,249 | ₹63,600 |
| May 2029 | ₹15,693 | ₹556 | ₹16,249 | ₹47,907 |
| Jun 2029 | ₹15,830 | ₹419 | ₹16,249 | ₹32,077 |
| Jul 2029 | ₹15,968 | ₹280 | ₹16,249 | ₹16,108 |
| Aug 2029 | ₹16,108 | ₹141 | ₹16,249 | ₹0 |
Lenders offering this product
DEMO Lender PLC 228
- Amount
- ₹50,000–1,500,000
- Rate from
- 10.50%
- Tenure
- 12–60 mo
- Processing fee
- Up to 2% of loan amount
Indicative terms shared by each lender — subject to their final verification and underwriting.
Compare lenders side by side
| Lender | Type | Interest rate | Processing fee | Loan amount | Tenure | Apply |
|---|---|---|---|---|---|---|
|
DEMO Lender PLC 228
|
— | 10.50% | — | ₹50,000–1,500,000 | 12–60 mo | Apply Now |
Indicative terms shared by each lender — subject to their final verification and underwriting.
Why FynnEdge?
You could go directly to a bank. But why apply for a 5 Lakh Personal Loan through us?
One profile, many lenders
Share your details once — we match you against multiple lenders' criteria instead of you applying to each one separately.
Clear, upfront eligibility
See which lenders you're likely eligible for, with plain-language reasons, before you apply.
A fully online journey
Check eligibility, compare lenders and apply — all online, without a branch visit.
Free EMI & credit tools
Plan your EMI and check your credit score for free, before you commit to anything.
Guidance, not just a listing
We help you understand your options and why a lender is or isn't a fit — not just hand you a list.
No service charges
Comparing and applying through FynnEdge is free. Any lender fees are disclosed upfront by the lender.
What our customers say
“I compared three lenders on FynnEdge in minutes instead of visiting three branches. The eligibility check was upfront and honest about what I actually qualified for.”
Ananya Rao
Bengaluru
“What I liked most was there were no surprise charges — everything the lender would charge was shown before I applied.”
Vikram Singh
Delhi
“Needed funds quickly for a family medical expense. FynnEdge matched me to a lender I was actually eligible for, and the whole process was online.”
Priya Nair
Personal Loan customer, Kochi
Frequently asked questions
Does checking my eligibility affect my credit score?
No — checking eligibility on FynnEdge uses your self-reported profile and does not perform a hard credit bureau check until you explicitly consent during the application step.
Does an eligibility result guarantee loan approval?
No. Eligibility results are indicative and subject to the lender's final verification, documentation and underwriting.