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Union Bank of India ₹2 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 9.3%, the EMI is about ₹4,181 a month, with total interest of about ₹50,851.
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) | ₹4,181 | ₹50,851 | ₹2,50,851 |
| 9.8% | ₹4,230 | ₹53,785 | ₹2,53,785 |
| 10.3% | ₹4,279 | ₹56,739 | ₹2,56,739 |
| 10.8% | ₹4,329 | ₹59,714 | ₹2,59,714 |
| 11.3% | ₹4,378 | ₹62,708 | ₹2,62,708 |
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 | ₹32,951 | ₹17,219 | ₹50,170 | ₹1,67,049 |
| Year 2 | ₹36,150 | ₹14,020 | ₹50,170 | ₹1,30,899 |
| Year 3 | ₹39,659 | ₹10,511 | ₹50,170 | ₹91,240 |
| Year 4 | ₹43,508 | ₹6,662 | ₹50,170 | ₹47,732 |
| Year 5 | ₹47,732 | ₹2,439 | ₹50,170 | ₹0 |
Frequently asked questions
What is the EMI for a ₹2 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 ₹4,181 a month. If your offered rate is 10.3% it would be about ₹4,279.
How much total interest will I pay?
At 9.3% the total interest over 5 years is about ₹50,851, so you repay about ₹2,50,851 in all.