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Guidelines for lowering your personal loan EMIs

Increase the Loan Tenure: Increasing the loan tenure increases the number of EMIs and reduces the EMI amount.

Decrease the Loan Amount: Decreasing the loan amount will reduce the EMI amount, but it may not be a feasible option if the amount is already too low.

Prepay Loan Amount: If you have extra money, you can use it to prepay your loan amount, which will reduce your EMIs.

Take a Top-up Loan: Taking a top-up loan and using it to repay your existing loan will reduce your EMI amount.

Make Regular Payments: Making regular payments towards your loan can help you reduce your EMIs over time.

Negotiate with Your Bank: If you have a good credit score, you can try to negotiate with your bank for a lower interest rate, which will reduce your EMIs.