Expert Advice: How to Reduce Personal Loan EMI for 1 Lakh https://apkgossip.com/an-insight-into-the-relationship-between-age-and-personal-loan-approval/ Reduce your monthly payments and interest expenses with these expert tips for lowering personal loan EMI payments of 1 lakh rupees. Start by making a larger upfront payment to bring down your principal. Then focus on prepayments - every extra rupee you pay now means less interest and smaller EMIs later. Finally, negotiate an extension of your loan tenure to temporarily lower your monthly payments.