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| Image Credit: AI Generated by Digital Tours |
1 Lakh Loan Par Kitna Byaj Lagega? EMI Example
Agar aap ₹1 lakh ka personal loan lene ka plan bana rahe hain, to sabse pehla sawaal hota hai — 1 lakh loan par byaj kitna lagega aur EMI kitni banegi? Loan lene se pehle interest (byaj), tenure aur EMI ko samajhna bahut zaroori hota hai taaki aap future me financial pressure se bach sake.
Is detailed Hinglish guide me hum aapko batayenge ki 1 lakh loan par byaj kaise calculate hota hai, EMI formula kya hai, alag-alag interest rate par EMI example, aur kaise aap EMI Calculator se exact EMI turant check kar sakte hain.
1 Lakh Loan Par Byaj Kaise Lagta Hai?
Bank ya NBFC jab aapko personal loan deti hai, to wo aapse interest charge karti hai. Ye interest rate aapke CIBIL score, income, job profile aur lender policy par depend karta hai. Normally personal loan par interest rate 10% se 18% per year ke beech hota hai.
EMI Kya Hoti Hai?
EMI (Equated Monthly Installment) wo fixed amount hota hai jo aap har mahine pay karte hain. Is EMI me principal + interest dono include hote hain.
EMI Formula (Manual Calculation)
EMI = [P × R × (1+R)N] / [(1+R)N – 1]
- P = ₹1,00,000 (Loan Amount)
- R = Monthly Interest Rate
- N = Tenure in Months
Manual calculation thoda complex hota hai, isliye EMI calculator best option hai.
1 Lakh Loan Par EMI Kitni Banegi? (EMI Table)
| Interest Rate | Tenure | Monthly EMI | Total Payment | Total Byaj |
|---|---|---|---|---|
| 10% | 2 Years (24 Months) | ₹4,614 | ₹1,10,736 | ₹10,736 |
| 12% | 3 Years (36 Months) | ₹3,321 | ₹1,19,556 | ₹19,556 |
| 14% | 4 Years (48 Months) | ₹2,734 | ₹1,31,232 | ₹31,232 |
| 16% | 5 Years (60 Months) | ₹2,430 | ₹1,45,800 | ₹45,800 |
EMI Calculator Use Karna Kyun Zaroori Hai?
- Instant aur accurate EMI result
- Interest rate aur tenure compare kar sakte hain
- Budget planning easy hoti hai
- Loan lene se pehle clear financial picture milti hai
Loan Lene Se Pehle Ye Zaroor Padhe
Sirf EMI dekhna kaafi nahi hota. Processing fee, foreclosure charges, late payment penalty aur hidden charges ko bhi samajhna bahut zaroori hai.
Kaun 1 Lakh Personal Loan Le Sakta Hai?
- Salaried ya self-employed
- Minimum income ₹15,000+
- CIBIL score 700+
- Age 21–58 years
EMI Kam Karne Ke Tips
- High CIBIL score maintain kare
- Short tenure choose kare
- Low interest lender compare kare
- Prepayment option use kare
Internal Linking Strategy (Digital Tours Tools)
Related tools jo aapko help karenge:
FAQs – 1 Lakh Loan Par Byaj
Q1. 1 lakh loan par kitna byaj lagta hai?
Interest rate aur tenure par depend karta hai. Normally ₹10,000 se ₹45,000 tak total byaj lag sakta hai.
Q2. EMI calculator accurate hota hai?
Haan, EMI calculator standard formula par based hota hai.
Q3. Kya CIBIL score interest rate ko affect karta hai?
Haan, achha CIBIL score hone par kam byaj milta hai.
Q4. Kya prepayment karne se byaj kam hota hai?
Haan, prepayment se total interest kam ho jata hai.
Conclusion
Agar aap ₹1 lakh loan lene ka plan bana rahe hain, to EMI aur byaj ko samajhna bahut zaroori hai. EMI calculator ka use karke aap sahi decision le sakte hain aur best loan offer choose kar sakte hain.