Compare APR, net disbursal and total repayment together.
Loan APR & KFS Cost Calculator
Convert interest, deducted fees and insurance into an all-in annual borrowing cost. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Estimated all-in APR15.92%Updates instantly as you edit
Net amount received₹9.60 L
Upfront deductions₹40,000
Total scheduled outflow₹12.36 L
Cost comparisonCurrent versus proposed
MeasureCurrentAfter change
Annual rate12.00% quoted15.92% APR
Cash received₹10,00,000₹9,60,000
Monthly EMI₹33,214₹33,214
Total repayment / cost₹11,95,715₹12,35,715
Full amortisation schedule36 monthly instalments
Projection journeyHover to inspect a year
APR is estimated from net disbursal and scheduled EMI. The lender-issued KFS remains authoritative and may include other mandatory third-party charges.
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Five smart nudges
Use the result with context.
Enter only mandatory costs tied to the loan offer.
Check whether insurance is optional and refundable.
Confirm late, bounce, foreclosure and conversion charges separately.
Use the lender-issued KFS as the authoritative disclosure.
Understanding APR & KFS Check in India
Editorially reviewed 14 July 2026 · Rules and assumptions can change
Why headline rate and APR differ
A quoted reducing-balance rate calculates interest on sanctioned principal. Mandatory fees, bundled insurance or other deducted charges can reduce cash received while EMI remains based on the higher principal. APR annualises this complete borrower cash flow, making differently structured offers easier to compare.
For example, a borrower sanctioned ₹10 lakh may receive less after deductions but repay the EMI on ₹10 lakh. Enter only charges tied to obtaining the loan; optional services should be evaluated separately.
How this tool estimates APR
The calculator first derives contractual EMI from sanctioned amount, quoted rate and tenure. It subtracts entered upfront deductions to estimate net disbursal, then solves the monthly internal rate that equates net cash received with all scheduled EMIs and annualises it.
The lender’s KFS calculation and included third-party charges remain authoritative. Timing, staged disbursal, broken-period interest, advance EMI and irregular instalments can require a more detailed cash-flow schedule.
What else to read in the KFS
Compare interest type, benchmark, spread, reset date, total instalments, net disbursal, APR and amortisation schedule. Separately note late charges, bounce charges, foreclosure terms, conversion fees, collateral and grievance channel.
Do not assume insurance is mandatory. Ask whether it is optional, who receives the benefit, how premium is financed and whether cancellation produces a refund.
Offer-comparison checklist
Enter each offer independently using exact KFS figures. Prefer the lower all-in cost only when tenure, flexibility, collateral and service are also suitable.
Verify the regulated lender and payment account. Never send an advance fee to an unverified agent promising guaranteed approval.
Official sources used for this guide
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
APR & KFS Check calculator FAQs
Is APR the same as the loan rate?
No. APR incorporates the annualised effect of relevant charges and cash-flow timing.
Should optional insurance be entered?
Enter it only when it is mandatory for the offer being compared; otherwise assess it separately.
Why use net disbursal?
It represents cash actually available to the borrower after upfront deductions.
Can APR include late fees?
Contingent charges are normally reviewed separately because they depend on future non-compliance.
Is this result the official APR?
No. Compare it with the lender-issued KFS and seek correction if figures do not reconcile.