Indian Railway Finance Corporation (IRFC) Personal Loan EMI Calculator 2025

Calculate your Indian Railway Finance Corporation (IRFC) personal loan EMI with current 2025 interest rates. Get instant results for monthly payments, total interest, and payment schedule.

NBFC | Interest Rate: 10% - 16%

Loan Details

₹50,000 ₹50,00,000
10% 16%
Indian Railway Finance Corporation (IRFC) 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 Railway Finance Corporation (IRFC) Personal Loan Information

Key Features

  • Railway infrastructure financing
  • Government-owned NBFC
  • Specialized lending
  • Long tenure loans

Interest Rate Details

Minimum Rate 10%
Maximum Rate 16%
* 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: 25-60 years
  • Minimum salary: ₹75,000 per month
  • Work experience: 3 years minimum
  • Credit score: 750+ required

Required Documents

  • Salary slips
  • Bank statements
  • Identity proof
  • Employment certificate

Indian Railway Finance Corporation (IRFC) Personal Loan EMI Calculator 2025 - Complete Guide

About Indian Railway Finance Corporation (IRFC)

Indian Railway Finance Corporation (IRFC) is a leading nbfc offering competitive personal loan products. With interest rates ranging from 10% to 16% per annum, Indian Railway Finance Corporation (IRFC) provides flexible financing solutions for various personal needs.

EMI Calculation Benefits

Our Indian Railway Finance Corporation (IRFC) 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 Railway Finance Corporation (IRFC) Personal Loan Features 2025

Key Highlights

  • Interest rates starting from 10% per annum
  • NBFC 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 Railway Finance Corporation (IRFC) may vary based on credit profile, loan amount, tenure, and current market conditions. Please contact Indian Railway Finance Corporation (IRFC) directly for exact rates and terms.