At an illustrative 15% per annum, a Rs. 70,000 personal loan for a trip in the best time to visit Bangkok costs Rs. 6,318 a month over 12 months (1 year). You repay it in equated monthly instalments (EMIs), and a longer tenure lowers the EMI but raises the interest.
Worked example: Shreya in Bengaluru
Shreya is 29 and works as a salaried UX designer in Bengaluru. She earns Rs. 85,000 a month and has a CIBIL score of 755. She chooses December, the best time to visit Bangkok for weather, so her trip costs Rs. 77,000, and she has Rs. 7,000 saved. She borrows Rs. 70,000 at an illustrative 15% per annum.
EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. P is the loan amount in rupees, R is the annual rate divided by 12 and by 100, and N is the tenure in months. The formula spreads the principal and interest into equal monthly payments, so early EMIs carry more interest and later ones more principal. All figures are rounded to the nearest rupee.
| Tenure | Monthly EMI (Rs.) | Total interest (Rs.) | EMI as share of salary (%) |
|---|
| 12 months (1 year) | 6,318 | 5,817 | 7.4 |
| 24 months (2 years) | 3,394 | 11,458 | 4.0 |
Last updated: 16th October, 2026
The 24-month option lowers the EMI by Rs. 2,924 but adds Rs. 5,641 in interest. The processing fee on Rs. 70,000 is up to Rs. 2,891. Shreya picks 12 months (1 year), so the trip is repaid before the next cool season, the best time to visit Bangkok again.
What can delay approval: a CIBIL score below 650 or existing EMIs that take up a large share of your income. Names or addresses that do not match across documents, and more than one loan application in the same month, can also slow it down.
Booking your trip for the best time to visit Bangkok? With a Bajaj Finance Personal Loan, you can borrow Rs. Rs. 40,000 to Rs. Rs. 55 lakh, subject to eligibility. Check your loan offer with your phone number and a one-time password (OTP) → apply online in about 5 minutes → receive funds within 24 hours* of approval.
