Calculate Navi Personal Loan EMI

Total Payments-


Total Interest-
Principal Amount-
Total EMI


View Details
  • Loan Amount
  • Interest Rate
  • Your EMI
  • Tenure
  • ₹20,00,000
  • 9.9%
  • ₹0
  • 6

How to Use MyMoneyMantra Navi Personal Loan EMI Calculator?

To know your Navi personal loan EMI, you can use our Navi loan EMI Calculator. The calculator is easy to use and generates accurate result in no time. Knowing your EMI helps you manage your finances in a better way.

If you want to find out your monthly equated instalments for Navi personal loan quickly, follow the steps mentioned below:

  • Visit mymoneymantra.com
  • Click on the ‘Personal Loan EMI Calculator’ option under ‘Financial Tools’ tab.
  • Enter the loan amount, interest rate and loan tenure.
  • The outcome will be displayed on the screen instantly as soon as you enter all the values.

Along with the monthly instalment outgo, our Navi EMI Calculator also provides total interest and total payment value. 

Navi Personal Loan Interest Calculation Formula

To calculate Navi personal loan EMI using the formula, you will need three essential parameters of the loan, i.e. the principal loan amount, the rate of interest, and repayment tenure (in months).

Calculating your loan EMI amount requires a specific formula, i.e. [PXRX(1+R)^N]/[(1+R)^N-1]  

R = Interest Rate On Loan Amount  
EMI = Equated Monthly Instalment  
N = Tenure For Repayment  
P = The Principal Amount

Know in detail: Simple Interest Formula Calculation

Benefits of Navi Personal Loan EMI Calculator

Following are the benefits of using the Navi personal loan EMI calculator:

  • The calculator helps you in determining Personal Loan Eligibility
  • You can easily plan your budget by knowing the exact EMI amount to be paid by you every month for the personal loan. 
  • Using the tool, you can work with the bank to set an affordable EMI for your personal loan.
  • Using the Navi personal loan interest rate calculator provides your EMI payment results in the form of a pie chart, helping you understand your finances quicker and better.
  • Aside from personal loans, the EMI calculator also helps you determine the EMI payments for other loans.
  • The calculator is easy to use and provides accurate results.
  • There is zero chances of human errors in using the tool.
  • The calculator can be used unlimited times without the need of paying any fee.

How to Use Navi Personal Loan EMI Calculator to Estimate an EMI That Fits Your Budget

You can enter various combinations of the principal loan amount, interest rate and tenure of repayment in the calculator. Entering different parameters will provide different EMI results. You can then check for the available options of banks that provide EMIs based on your budget. For example if you want to pay low EMIs, you can look out for a bank that offers low rate of interest for long tenure and high loan amount. That way you can use the Navi personal loan EMI calculator to estimate an EMI that fits your budget.

Some of the ways you can plan out your EMI payments using the Navi personal loan EMI calculator are given below: 
Prepayment of Loan: One of the benefits of using the Navi EMI calculator is that it enables you to check how much you can save if you opt for loan prepayment. Prepayment of loan is an easy way to reduce the EMI to be paid every month.  
Extending Loan Tenure: Another way to reduce your EMI payments would be to extend your loan tenure itself. Using the Navi loan calculator, you can increase your tenure until your EMI payment comes down to a reasonable budget.  
Opt for Floating Interest Rate: You can also reduce your EMI payments by opting for a floating rate of interest over a fixed one. By doing so, you can take advantage of the changes in lending rates. Even a slight change in the rate could save you a lot of money. Use the Personal Loan EMI calculator to see the fixed rate for your personal loan and compare it to floating rate of interest.

Navi Personal Loan EMI Calculation

Below is the EMI for Rs. 5 Lakhs Personal Loan amount at 9.99% rate of interest for tenure of 72 months.

  • Total EMI: Rs. 9,260
  • Total interest: Rs. 1,66,749
  • Total payment: 6,66,749

Also Check: CIBIL Score Required for Personal Loan

Amortization Table

YearOpening BalanceAmount paid by customer (EMI*12)Interest paid during the yearPrincipal paid during the yearClosing Balance

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Navi Personal Loan EMI Calculator FAQs

What information is needed to calculate Navi personal loan EMI using the EMI calculator?


You will need to enter the required loan amount, applicable interest rates and repayment tenure to calculate Navi personal loan EMI using the EMI calculator.

How much loan amount is offered by Navi?


You can get a maximum loan amount of up to Rs. 20,00,000 from Navi as a personal loan.

What is the interest rate for Navi personal loan?


Navi persona loan interest rates vary from 9.99% to 45% per annum.

How much tenure can I get to repay Navi personal loan?


Navi personal loan can be repaid within a tenure of 3 to 72 months

How much income is required for Navi personal loan?


You need minimum household income of at least Rs.3,00,000 to get Navi personal loan.

Also Check: Pan card CIBIL score