Indian Overseas Bank Personal Loan EMI Calculator 2025

Calculate your Indian Overseas Bank personal loan EMI with current 2025 interest rates. Get instant results for monthly payments, total interest, and payment schedule.

Public Sector Bank | Interest Rate: 12% - 19%

Loan Details

₹50,000 ₹50,00,000
12% 19%
Indian Overseas Bank Rate Range
6 months 240 months (20 years)
5 years
Monthly EMI
₹8,560
Amount you pay every month
Total Interest
₹1,13,600
Total interest over loan period
Total Payment
₹6,13,600
Total amount you'll pay

Indian Overseas Bank Personal Loan Information

Key Features

  • Government backing
  • International presence
  • Competitive rates
  • Reliable service

Interest Rate Details

Minimum Rate 12%
Maximum Rate 19%
* Rates vary based on credit profile and loan amount

Loan Breakdown

Principal Amount
₹5,00,000
Total Interest
₹1,13,600
Interest Rate Distribution
Principal: 81.5% Interest: 18.5%

Payment Schedule (First 12 Months)

Month EMI Principal Interest Balance

Eligibility Criteria

  • Age: 21-60 years
  • Minimum salary: ₹15,000 per month
  • Work experience: 1 year minimum
  • Credit score: 650+ required

Required Documents

  • Salary slips
  • Bank statements
  • Income proof
  • KYC documents

Indian Overseas Bank Personal Loan EMI Calculator 2025 - Complete Guide

About Indian Overseas Bank

Indian Overseas Bank is a leading public sector bank offering competitive personal loan products. With interest rates ranging from 12% to 19% per annum, Indian Overseas Bank provides flexible financing solutions for various personal needs.

EMI Calculation Benefits

Our Indian Overseas Bank EMI calculator helps you plan your personal loan effectively. Calculate exact monthly installments, total interest payable, and compare different loan scenarios to make informed financial decisions.

Indian Overseas Bank Personal Loan Features 2025

Key Highlights

  • Interest rates starting from 12% per annum
  • Public Sector Bank with nationwide presence
  • Quick processing and approval

Processing Time

  • Instant pre-approval for eligible customers
  • Quick documentation process
  • Fast disbursal upon approval

Important Disclaimer

This calculator provides estimates based on the inputs provided. Actual EMI and interest rates from Indian Overseas Bank may vary based on credit profile, loan amount, tenure, and current market conditions. Please contact Indian Overseas Bank directly for exact rates and terms.