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अक्सर पूछे जाने वाले प्रश्न

  • How do banks calculate EMI for personal loans?

    The banks consider the interest rate, principal amount, and tenure. The standard formula for calculating the EMI amount is:

    EMI = [P x R x (1+R) ^N]/[(1+R) ^N-1], wherein P is principal, R is the rate of interest, and N is the number of instalments.

  • How do I use the Bank of Baroda personal loan EMI calculator?

    If you want to easily obtain the EMI amount due on a Personal Loan, you can rely on the Bank of Baroda Personal Loan EMI Calculator. It is simple to use, and you only have to fill in important details about your personal loan.

    Those details would be – the amount borrowed, interest rate, and tenure by sliding the selection bars on the tool.

    You will be able to see the EMI amount payable each month within seconds!

  • What is personal loan amortisation schedule?

    When you repay a Personal Loan, the EMI amount consists of both the principal amount and interest payable. In the initial months, the interest amount will be greater than the principal amount, which progressively reduces. An amortisation schedule gives you a breakdown of the principal repayment and interest component of your EMI month by month.

  • How is the Personal Loan EMI to be paid?

    You can make Personal Loan EMI payments via various methods, including post-dated cheques, standing instructions, bank transfers, etc. It is best to check the policy of the bank in question. Bank of Baroda allows you to pay via cash, cheque, or bank transfer.

  • What are the factors that affect personal loan EMI?

    Personal Loan EMI depends upon the interest rate, principal amount, and tenure. The higher the Personal Loan interest rate, the higher will your EMI be. Similarly, EMI increases with a higher principal amount. However, while EMI reduces with a longer tenure, the overall interest pay-out on the loan increases. Your credit score, age, and income also play a significant role in determining your loan amount, interest rate, and EMI amount.

  • How is personal loan interest rate calculated?

    Personal Loan interest rates are determined by different banks as per their policies and discretion. However, certain factors can impact this decision. Banks usually consider credit score and repayment history, the amount borrowed, and the tenure while setting an interest rate.

  • How can a personal loan EMI calculator help with a loan selection?

    A Personal Loan EMI Calculator helps you enter different parameters of a loan to see what the possible EMI would be. Thus, you can alter the amount borrowed, the tenure, or interest rates and get an idea of the EMI due each month. This helps you understand what kind of EMI fits within your budget and aligns with your financial goals. Thus, you can opt for a loan on terms that make EMI repayment more feasible for you.

  • How to calculate the lowest EMI for your Personal Loan?

    To calculate the lowest EMI payable on your Personal Loan, you can use a Personal Loan EMI Calculator. Move the sliders for the different terms like the principal, interest rate, and tenure. When you hit the minimum limit for each, you will be shown the lowest EMI at which you can get a Personal Loan.

  • Why choose bank of baroda's personal loan?

    Bank of Baroda offers Personal Loans of higher amounts at:  

    1. Attractive interest rates
    2. Allows flexible repayments tenures
    3. Flexibility in the use of funds
    4. Repayment through easy EMIs.

    With simple documentation and eligibility criteria, applying for a personal loan at the bank of baroda is a hassle-free process.

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