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Union Bank of India ₹10 lakh Personal Loan EMI for 2 Years
At the advertised starting rate of 9.3%, the EMI is about ₹45,823 a month, with total interest of about ₹99,740.
Source: Union Bank of India official page, checked 2 November 2026.
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 9.3% (starting) | ₹45,823 | ₹99,740 | ₹10,99,740 |
| 9.8% | ₹46,053 | ₹1,05,264 | ₹11,05,264 |
| 10.3% | ₹46,284 | ₹1,10,804 | ₹11,10,804 |
| 10.8% | ₹46,515 | ₹1,16,361 | ₹11,16,361 |
| 11.3% | ₹46,747 | ₹1,21,934 | ₹11,21,934 |
Year-by-year repayment schedule at 9.3%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹4,76,856 | ₹73,014 | ₹5,49,870 | ₹5,23,144 |
| Year 2 | ₹5,23,144 | ₹26,726 | ₹5,49,870 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh Union Bank of India personal loan for 2 years?
At Union Bank of India's starting rate of 9.3% the EMI is about ₹45,823 a month. If your offered rate is 10.3% it would be about ₹46,284.
How much total interest will I pay?
At 9.3% the total interest over 2 years is about ₹99,740, so you repay about ₹10,99,740 in all.