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    info@paisaintime.com

  • Call for help

    +91-9986-734-604

  • K.G Marg, Connaught Place

    Delhi 110001 IN



Loan beenfits

EMI Loans

Paisaintime offers EMI Loans to our customers to meet all their financial needs. Applicants looking for long-term loans can easily apply for our EMI loans. To make it more clear, we provide the amount from Rs. 40,000 to 2,00,000 with a tenure of 3 months to 2 years as per our eligibility criteria.

Important Facts
Loan Amount 40 thousand to 2 Lakh
Tenure 3 months to 2 years
Amount per customer As per eligibility

Benefits & Features

  • Making personal budgeting Easier.

  • Paper less Application with less Documentation.

  • Foreclosure Allowed*

  • Instant Approval & Disbursal.

  • Choose EMI debit Date as per comfort i.e 07 & 10 of every month

Loan Calculator

Loan information

  Loan amount: *
  Percentage rate of interest: *
  Repayment period in Month: *
  Start Date of Loan:

Loan Benefits

Loan Model

Loan Criteria


  • Loan Amount - 40,000 to 2,00,000

  • Interest Rate - Up to 36% per annum

  • APR - 36% MAX

  • Age - 21 to 55 years

  • Late payment fee - as applicable ( Charged only, If repayment is delayed )

  • Processing Fee - Up to 5%

  • Loan tenure - 90 days to 180 days

  • Pre-closure charges – As applicable

Sample Loan Calculation


  • Loan amount - ₹ 30,000 at interest rate of 30% p.a.

  • Loan Duration - 3 Months

  • Total personal loan interest = ₹ 2,250

  • Processing fees (PF) + GST = ₹ 500 + ₹ 90 = ₹ 590

  • Total Deductibles (PF + GST) - ₹ 590

  • In-Hand Amount: Loan Amount - Total Deductibles = ₹ 30,000 - 590 = ₹ 29,410

  • Total repayable Amount (Loan Amount + Interest) - ₹ 32,250

  • Monthly EMI Repayable (Loan Amount + Interest / No of EMI’s) - ₹ 10,750

  • PF + GST are deducted upfront during the loan disbursal.

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