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The basic formula to calculate EMI for your personal loan, home loan, car loan or any kind of loan is EMI = P * r * [ (1+r)^n/ (1+r)^n -1] Where, P = Principal amount r = Rate of Interest n = loan period The EMI calculation manually may look a bit complicated and definitely time-consuming. It helps you comprehend the loan amount you can apply for. Can understand and compare the interest rates of different banks. Can understand how much he/she will be paying on the amount borrowed. Existing personal loan holders to calculate the EMI for a cross-reference. Know your loan eligibility and use our loan calculator now. Apply for a personal loan. Apply for a personal loan. Emirates NBD personal loans are easy to get at low interest rates. Get a New or Top-up your Personal Loan with attractive interest rates. Get a new loan or top up an existing loan with our flexible terms, quick processing and attractive rates. 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