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Union Bank of India ₹5 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 9.3%, the EMI is about ₹10,452 a month, with total interest of about ₹1,27,128.
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) | ₹10,452 | ₹1,27,128 | ₹6,27,128 |
| 9.8% | ₹10,574 | ₹1,34,463 | ₹6,34,463 |
| 10.3% | ₹10,697 | ₹1,41,849 | ₹6,41,849 |
| 10.8% | ₹10,821 | ₹1,49,284 | ₹6,49,284 |
| 11.3% | ₹10,946 | ₹1,56,770 | ₹6,56,770 |
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 | ₹82,378 | ₹43,047 | ₹1,25,426 | ₹4,17,622 |
| Year 2 | ₹90,375 | ₹35,051 | ₹1,25,426 | ₹3,27,247 |
| Year 3 | ₹99,147 | ₹26,279 | ₹1,25,426 | ₹2,28,100 |
| Year 4 | ₹1,08,771 | ₹16,655 | ₹1,25,426 | ₹1,19,329 |
| Year 5 | ₹1,19,329 | ₹6,096 | ₹1,25,426 | ₹0 |
Frequently asked questions
What is the EMI for a ₹5 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 ₹10,452 a month. If your offered rate is 10.3% it would be about ₹10,697.
How much total interest will I pay?
At 9.3% the total interest over 5 years is about ₹1,27,128, so you repay about ₹6,27,128 in all.