AU Bank Personal Loan EMI Calculator
Estimate monthly instalments on AU Small Finance Bank Personal Loans with express digital sanctions via the AU 0101 mobile banking application.
Official Rate Formula & Benchmark:
AU Personal Loans carry fixed reducing balance interest starting from 11.99% p.a. for KYC-verified salaried and professional customers.
Current official starting rate: 11.99% p.a. (Range: 11.99% – 19.50% p.a.).
AU Bank Personal Loan EMI Calculator
Interactive calculation engine using official AU Small Finance Bank rates
For 3 years at 11.99% p.a. reducing balance
Yearly Repayment Schedule
| Year | Principal Paid | Interest Paid | Total Paid | Balance |
|---|---|---|---|---|
| Year 1 | ₹58,891 | ₹20,813 | ₹79,704 | ₹1,41,109 |
| Year 2 | ₹66,353 | ₹13,351 | ₹79,704 | ₹74,757 |
| Year 3 | ₹74,757 | ₹4,943 | ₹79,700 | ₹0 |
Rate Verification & Official Notice
11.99% p.a.
11.99% – 19.50% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Express digital sanctions via AU 0101 app
- Tenures from 12 to 60 months
Source: AU Personal Loan Rates & Charges
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Instant digital processing for pre-approved AU account holders.
- 2Flexible tenures from 12 to 60 months with zero physical documentation.
Key Factors Influencing Your Rate
- •Verified salary profile
- •AU banking relationship tier
Worked Numerical Example: AU Bank Personal Loan EMI Calculator
For a ₹2,00,000 loan at 11.99% p.a. for 3 years (36 months), your monthly EMI is ₹6,642, with total interest of ₹39,108.
Frequently Asked Questions: AU Bank Personal Loan EMI Calculator
- Max loan amount?
- Up to ₹7.5 Lakh depending on income verification.
- Disbursal time?
- Same-day digital credit via AU 0101.