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Union Bank of India ₹10 lakh Personal Loan EMI for 3 Years
At the advertised starting rate of 9.3%, the EMI is about ₹31,940 a month, with total interest of about ₹1,49,823.
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) | ₹31,940 | ₹1,49,823 | ₹11,49,823 |
| 9.8% | ₹32,173 | ₹1,58,241 | ₹11,58,241 |
| 10.3% | ₹32,408 | ₹1,66,696 | ₹11,66,696 |
| 10.8% | ₹32,644 | ₹1,75,187 | ₹11,75,187 |
| 11.3% | ₹32,881 | ₹1,83,715 | ₹11,83,715 |
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 | ₹3,02,973 | ₹80,302 | ₹3,83,274 | ₹6,97,027 |
| Year 2 | ₹3,32,382 | ₹50,893 | ₹3,83,274 | ₹3,64,646 |
| Year 3 | ₹3,64,646 | ₹18,629 | ₹3,83,274 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh Union Bank of India personal loan for 3 years?
At Union Bank of India's starting rate of 9.3% the EMI is about ₹31,940 a month. If your offered rate is 10.3% it would be about ₹32,408.
How much total interest will I pay?
At 9.3% the total interest over 3 years is about ₹1,49,823, so you repay about ₹11,49,823 in all.