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Personal Loan EMIs

Know your Personal Loan EMI
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Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.


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Personal Loan EMIs


Qbera Offers Personal loans from multiple lenders. You can get the best Personal Loan EMI based on your Credit Score. 

Here's how much EMI you'd pay for a 1 lakh personal loan for 1 Year.

1 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 1,00,000 12 ₹ 8,979
IFL - India Infoline ₹ 1,00,000 12 ₹ 8,978
IBL - IndusInd Bank ₹ 1,00,000 12 ₹ 8,884


Here's how much EMI you'd pay for a 2 lakh personal loan for 1 Year.

2 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 2,00,000 12 ₹ 17,957
IFL - India Infoline ₹ 2,00,000 12 ₹ 17,956
IBL - IndusInd Bank ₹ 2,00,000 12 ₹ 17,769


Here's how much EMI you'd pay for a 3 lakh personal loan for 1 Year.

3 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 3,00,000 12 ₹ 26,936
IFL - India Infoline ₹ 3,00,000 12 ₹ 26,935
IBL - IndusInd Bank ₹ 3,00,000 12 ₹ 26,653


Here's how much EMI you'd pay for a 4 lakh personal loan for 1 Year.

4 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 4,00,000 12 ₹ 35,915
IFL - India Infoline ₹ 4,00,000 12 ₹ 35,913
IBL - IndusInd Bank ₹ 4,00,000 12 ₹ 35,538


Here's how much EMI you'd pay for a 5 lakh personal loan for 1 Year.

5 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 5,00,000 12 ₹ 44,894
IFL - India Infoline ₹ 5,00,000 12 ₹ 44,891
IBL - IndusInd Bank ₹ 5,00,000 12 ₹ 44,422


Here's how much EMI you'd pay for a 6 lakh personal loan for 1 Year.

6 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 6,00,000 12 ₹ 53,872
IFL - India Infoline ₹ 6,00,000 12 ₹ 53,869
IBL - IndusInd Bank ₹ 6,00,000 12 ₹ 53,306


Here's how much EMI you'd pay for a 7 lakh personal loan for 1 Year.

7 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 7,00,000 12 ₹ 62,851
IFL - India Infoline ₹ 7,00,000 12 ₹ 62,848
IBL - IndusInd Bank ₹ 7,00,000 12 ₹ 62,191


Here's how much EMI you'd pay for an 8 lakh personal loan for 1 Year.

8 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 8,00,000 12 ₹ 71,830
IFL - India Infoline ₹ 8,00,000 12 ₹ 71,826
IBL - IndusInd Bank ₹ 8,00,000 12 ₹ 71,075


Here's how much EMI you'd pay for a 9 lakh personal loan for 1 Year.

9 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 9,00,000 12 ₹ 80,808
IFL - India Infoline ₹ 9,00,000 12 ₹ 80,804
IBL - IndusInd Bank ₹ 9,00,000 12 ₹ 79,960


Here's how much EMI you'd pay for a 10 lakh personal loan for 1 Year.

10 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 10,00,000 12 ₹ 89,787
IFL - India Infoline ₹ 10,00,000 12 ₹ 89,782
IBL - IndusInd Bank ₹ 10,00,000 12 ₹ 88,844


Here's how much EMI you'd pay for an 11 lakh personal loan for 1 Year.

11 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 11,00,000 12 ₹ 98,766
IFL - India Infoline ₹ 11,00,000 12 ₹ 98,761
IBL - IndusInd Bank ₹ 11,00,000 12 ₹ 97,729


Here's how much EMI you'd pay for a 12 lakh personal loan for 1 Year.

12 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 12,00,000 12 ₹ 1,07,745
IFL - India Infoline ₹ 12,00,000 12 ₹ 1,07,739
IBL - IndusInd Bank ₹ 12,00,000 12 ₹ 1,06,613


Here's how much EMI you'd pay for a 13 lakh personal loan for 1 Year.

13 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 13,00,000 12 ₹ 1,16,723
IFL - India Infoline ₹ 13,00,000 12 ₹ 1,16,717
IBL - IndusInd Bank ₹ 13,00,000 12 ₹ 1,15,497


Here's how much EMI you'd pay for a 14 lakh personal loan for 1 Year.

14 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 14,00,000 12 ₹ 1,25,702
IFL - India Infoline ₹ 14,00,000 12 ₹ 1,25,695
IBL - IndusInd Bank ₹ 14,00,000 12 ₹ 1,24,382


Here's how much EMI you'd pay for a 15 lakh personal loan for 1 Year.

15 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 15,00,000 12 ₹ 1,34,681
IFL - India Infoline ₹ 15,00,000 12 ₹ 1,34,674
IBL - IndusInd Bank ₹ 15,00,000 12 ₹ 1,33,266


Here's how much EMI you'd pay for a 16 lakh personal loan for 1 Year.

16 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 16,00,000 12 ₹ 1,43,659
IFL - India Infoline ₹ 16,00,000 12 ₹ 1,43,652
IBL - IndusInd Bank ₹ 16,00,000 12 ₹ 1,42,151


Here's how much EMI you'd pay for a 17 lakh personal loan for 1 Year.

17 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 17,00,000 12 ₹ 1,52,638
IFL - India Infoline ₹ 17,00,000 12 ₹ 1,52,630
IBL - IndusInd Bank ₹ 17,00,000 12 ₹ 1,51,035


Here's how much EMI you'd pay for an 18 lakh personal loan for 1 Year.

18 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 18,00,000 12 ₹ 1,61,617
IFL - India Infoline ₹ 18,00,000 12 ₹ 1,61,608
IBL - IndusInd Bank ₹ 18,00,000 12 ₹ 1,59,919


Here's how much EMI you'd pay for a 19 lakh personal loan for 1 Year.

19 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 19,00,000 12 ₹ 1,70,596
IFL - India Infoline ₹ 19,00,000 12 ₹ 1,70,587
IBL - IndusInd Bank ₹ 19,00,000 12 ₹ 1,68,804


Here's how much EMI you'd pay for a 20 lakh personal loan for 1 Year.

20 Lakh Personal Loan Emi


Bank Loan Amount Tenure / Months EMI
RBL - Ratnakar Bank ₹ 20,00,000 12 ₹ 1,79,574
IFL - India Infoline ₹ 20,00,000 12 ₹ 1,79,565
IBL - IndusInd Bank ₹ 20,00,000 12 ₹ 1,77,688








FAQs
View a complete list of our FAQs at our help center

Interest Rate & Other Charges


Interest Rate
11.99% to 35.99%
Processing Fee
1% to 5% of total loan amount
Loan Amount
₹1,00,000 to ₹15,00,000
Loan Tenure
12 to 60 months
Getting a Qbera Smart Loan is Simple
Fill out our online application form
Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Connect your Bank Account
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Select your loan term
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
You’re done! Get the money in your Bank Account as early as tomorrow.
Example: A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
  1. Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
  2. EMI of ₹7091 per month
  3. Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
  4. Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Repaying a Qbera Smart Loan is just as Simple
Repay your loan with automatic EMI payments.

Eligibility Criteria

  • Age: 21-57 years old
  • Net Monthly Income must be more than Rs. 18,000.
  • No defaults in the last 24 months.

Documents Required after Digital Approval

  • Aadhaar Card
  • PAN Card
  • 4 Cheques from your Salary Account
  • Current Address Proof
  • Permanent Address Proof (in case the permanent address is different from the address on Aadhaar card)
What people are saying
Pradeep

Pradeep

"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."

Shekhar

Shekhar

"I would like to thank Qbera for speedy loan processing. I was having a tough time in deciding which bank would actually take my request for a loan as the loan was supposed to be for credit card payoff. I was forced to use my credit card for an unforeseen expense which I could not avoid and was finding it tough to pay back due to the high interest cost on credit cards. I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...

Syed

Syed

"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."

Anish

Anish

"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"

Arun

Arun

"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"

Bhaskar

Bhaskar

"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"

Featured in

News
Aadhaar linking deadline for Insurance Policies extended

27-Mar-2018

Following a Supreme Court Order dated 13th March, 2018, Insurance regulator IRDAI extended the deadline for linking the 12-digit unique identity number with various insurance policies.

SBI, ICICI and PNB hike lending rates: Personal loans to cost more

05-Mar-2018

A day after SBI hiked deposit rates across maturities, the largest lender of India also raised MCLR by up to 25 basis points. MCLR is now at 8.15 percent which was earlier at 7.95 percent. This signals a possible increase in the EMIs of all types of loans – starting from personal loans to home, auto and other loans. ICICI Bank and Punjab National Bank (PNB) also hiked their MCLR by 15 bps. PNB home loans will now be at 8.6% and for women it will be 8.55%.

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QBERA

We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

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