AU SFB Personal Loan EMI Calculator
Preset to AU SFB's current personal loan emi rate of 12.5%. Change any value to see your own numbers.
- Current rate 12.50%
- Range 12.50–18.00%
- Rank #8 of 8 banks
- Verified 16 July 2026
AU SFB Personal Loan EMI Calculator
- Principal₹5,00,000
- Total interest₹1,74,938
- Total payment₹6,74,938
Where your money goes
- Principal ₹5,00,000
- Interest ₹1,74,938
AU SFB personal loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| Salaried, CIBIL 775+ (best band) | 12.50% |
| Salaried, CIBIL 725–774 | 13.75% |
| Self-employed professional | 15.00% |
| New-to-credit / thin file | 18.00% |
This Personal Loan calculator is preset to AU Small Finance Bank's current 12.5% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real AU SFB loan — change the amount or tenure to match yours.
AU SFB's personal loan rates run from 12.50% to 18.00% depending on your profile and loan size. Below is AU SFB's full rate table, the fees and rules that actually apply, and how AU SFB compares with the 8 banks we track — the one thing no bank's own page will show you.
AU SFB personal loan — key facts
- AU Small Finance Bank offers personal loans of up to ₹20,00,000 with tenures of up to 60 months.
- Interest is risk-based; the lowest band is reserved for salaried applicants with a strong credit score and stable income.
- As a small finance bank, AU lends to many first-time and self-employed borrowers, so rates rise steeply for thinner credit profiles.
- Processing fee runs up to around 2% of the loan amount plus GST.
How AU SFB compares
AU SFB's personal loan rate is above the category median. HDFC is cheaper at 10.75%.
AU SFB personal loan FAQs
What is AU SFB's personal loan interest rate in 2026?
AU Small Finance Bank offers personal loan rates from 12.5% to 18% (indicative headline 12.5%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a AU SFB personal loan?
The processing fee is Up to 2% of the loan amount + GST. AU Small Finance Bank offers personal loans of up to ₹20,00,000 with tenures of up to 60 months.
Can I prepay or foreclose my AU SFB personal loan early?
Interest is risk-based; the lowest band is reserved for salaried applicants with a strong credit score and stable income.
How is the EMI on a AU SFB personal loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 12.5% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.