At an illustrative 15% per annum, a Rs. 1.2 lakh personal loan for a trip that follows these Dubai travel guidelines costs Rs. 5,818 a month over 24 months (2 years). You repay it in equated monthly instalments (EMIs), and a shorter tenure cuts the total interest.
Worked example: Sana in Hyderabad
Sana is 35 and works as a salaried data analyst in Hyderabad. She earns Rs. 90,000 a month and has a CIBIL score of 760. Her 5-day Dubai trip for 2 costs Rs. 1,80,000, and she has Rs. 60,000 in savings. She borrows Rs. 1.2 lakh at an illustrative 15% per annum, after checking the Dubai travel guidelines on visas for her husband and herself.
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) | 10,831 | 9,972 | 12.0 |
| 24 months (2 years) | 5,818 | 19,642 | 6.5 |
Last updated: 16th October, 2026
The 24-month option lowers the EMI by Rs. 5,013 but adds Rs. 9,670 in interest. The processing fee on Rs. 1.2 lakh is up to Rs. 4,956. Sana picks 12 months (1 year), so the trip is repaid before the next holiday season. Following the Dubai travel guidelines on visas first meant she borrowed only once her visas were approved.
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.
