Using the online personal loan EMI calculator, you can know the EMI amount for different loan tenures. At a 13%* rate of interest per annum, the EMI for INR 1 lakh personal loan for 1-year tenure is INR 8,932, 2-year tenure is INR 4,754, 3-year tenure is INR 3,369, 4-year tenure is INR 2,683, and 5-year tenure is INR 2,275.