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Union Bank of India ₹10 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 9.3%, the EMI is about ₹20,904 a month, with total interest of about ₹2,54,255.
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) | ₹20,904 | ₹2,54,255 | ₹12,54,255 |
| 9.8% | ₹21,149 | ₹2,68,926 | ₹12,68,926 |
| 10.3% | ₹21,395 | ₹2,83,697 | ₹12,83,697 |
| 10.8% | ₹21,643 | ₹2,98,569 | ₹12,98,569 |
| 11.3% | ₹21,892 | ₹3,13,540 | ₹13,13,540 |
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 | ₹1,64,756 | ₹86,095 | ₹2,50,851 | ₹8,35,244 |
| Year 2 | ₹1,80,749 | ₹70,102 | ₹2,50,851 | ₹6,54,495 |
| Year 3 | ₹1,98,294 | ₹52,557 | ₹2,50,851 | ₹4,56,201 |
| Year 4 | ₹2,17,542 | ₹33,309 | ₹2,50,851 | ₹2,38,659 |
| Year 5 | ₹2,38,659 | ₹12,193 | ₹2,50,851 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh Union Bank of India personal loan for 5 years?
At Union Bank of India's starting rate of 9.3% the EMI is about ₹20,904 a month. If your offered rate is 10.3% it would be about ₹21,395.
How much total interest will I pay?
At 9.3% the total interest over 5 years is about ₹2,54,255, so you repay about ₹12,54,255 in all.