Cash received
Net disbursal after mandatory deductions—not merely the sanctioned amount.
Borrow on your termsKnow the real cost.
Know the real cost.
Own the decision.
From the first EMI to the final closure, compare every rupee before a lender’s offer becomes your long-term obligation.
Price the full loanStress the EMICompare every optionPlan the exit
Choose your next moveA loan is more than an EMI.
A loan is more than an EMI.
See the whole deal.
Pick the decision in front of you—affordability, true cost, transfer or faster payoff—and open the calculator built specifically for it.
01
Before you apply
How much should you borrow?
Set the real purchase budget first. Then test EMI room, upfront costs, collateral and an income shock.
Loans
Home Loan
Calculate home-loan EMI, interest and total ownership borrowing cost.
Open calculator ↗LoansHome Affordability
Estimate a sensible home-loan amount from income and repayment capacity.
Open calculator ↗LoansJoint Affordability
Measure how a co-borrower changes EMI capacity, eligible loan and property budget.
Open calculator ↗LoansPersonal Loan
Estimate unsecured-loan EMI, fees and total interest.
Open calculator ↗LoansCar Loan
Compare car-loan down payment, EMI and borrowing cost.
Open calculator ↗LoansEducation Loan
Estimate education-loan repayments after the study period.
Open calculator ↗LoansGold Loan
Estimate eligible gold-loan amount, EMI and total borrowing cost.
Open calculator ↗LoansLoan Against Property
Estimate LAP eligibility, EMI and long-term interest.
Open calculator ↗LoansLoan Against Securities
Estimate borrowing against an eligible securities portfolio.
Open calculator ↗LoansLoan Against Mutual Funds
Estimate an illustrative loan against mutual-fund units.
Open calculator ↗02
Before you sign
What will the loan really cost?
Turn the quoted rate into APR, total repayment and reset risk. Price the deal—not the advertisement.
Loans
APR & KFS Check
Convert interest, deducted fees and insurance into an all-in annual borrowing cost.
Open calculator ↗LoansFixed vs Floating
Compare fixed-rate certainty with a floating-rate path that resets over time.
Open calculator ↗LoansRate Reset
See how a floating-rate reset can change EMI, tenure and remaining interest.
Open calculator ↗LoansHome-loan Tax Benefit
Screen the possible tax effect of eligible home-loan interest and principal.
Open calculator ↗PlanningRent vs Buy
Compare the long-term financial paths of renting and buying.
Open calculator ↗03
After you borrow
Can you make your debt cheaper?
Model prepayment, transfer, consolidation and payoff order with every meaningful switching cost included.
Loans
Home Loan Prepayment
Estimate the interest and tenure impact of an additional home-loan payment.
Open calculator ↗LoansHome Loan Balance Transfer
Compare a current home loan with a lower-rate balance-transfer scenario.
Open calculator ↗PlanningPrepay vs Invest
Compare using a lump sum for loan prepayment versus investing it.
Open calculator ↗LoansDebt Consolidation
Compare several existing debts with one proposed consolidation loan after fees.
Open calculator ↗LoansMinimum Due Trap
See how minimum payments can stretch card debt and compound finance charges.
Open calculator ↗PlanningDebt Snowball vs Avalanche
Compare payoff time and interest across snowball and avalanche ordering.
Open calculator ↗Four numbers. One clear answer.
If you cannot see all four, you do not know the deal.
Monthly pressure
The EMI after existing obligations, rate resets and an income interruption.
Total outflow
Principal, interest, insurance, processing, legal and valuation costs together.
Exit cost
The price and process of prepayment, transfer and final collateral release.
Take the next step
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How to compare a loan before signing
Editorially reviewed 15 July 2026 · Educational estimates only
Use the KFS as the comparison sheet
RBI’s Key Facts Statement framework is intended to place essential retail-loan terms, including the all-in annual percentage rate, in a simple disclosure. Compare sanctioned amount, net disbursal, tenure, instalment, interest type, fees and third-party charges that form part of the offer. A low quoted rate can coexist with a higher APR when mandatory upfront costs reduce the cash actually received. The APR & KFS Check converts the entered net cash flow into an annualised estimate, but the lender-issued document remains authoritative.
Read charges that may not change the initial APR but still matter: late-payment charges, bounce charges, rate-conversion fees, foreclosure conditions, document release and insurance cancellation or refund. Do not pay an unverified intermediary for guaranteed approval. Confirm the regulated lender, payee and grievance channel before transferring money.
Stress floating-rate loans before accepting the EMI
A floating rate can change EMI, tenure or both. RBI directions recognise borrower options around EMI enhancement, tenure elongation, part or full prepayment and an offered fixed-rate switch subject to lender policy. The Rate Reset tool displays the payment needed to preserve tenure and the tenure produced by retaining the existing EMI. The Fixed vs Floating tool tests an explicit rate path rather than assuming today’s floating rate lasts for decades.
Stress rates higher even when the current environment appears benign. A loan that fits only at the introductory rate is fragile. Ask for the benchmark, spread, reset frequency, next reset date and circumstances in which the spread can change. Ensure tenure elongation does not create negative amortisation, where the payment fails to cover accrued interest.
Compare change costs before refinancing
A balance transfer is worthwhile only when savings over the expected holding period exceed processing, legal, valuation, mortgage, insurance and valid closure costs. Hold remaining tenure constant first; restarting a long tenure can lower EMI while raising total interest. Calculate break-even and consider whether the property or loan is likely to be sold, prepaid or refinanced before that date.
Debt consolidation uses the same discipline. Combine the remaining schedules of each debt and compare them with the new loan plus fees. Then close or freeze refinanced facilities. Otherwise the household can finish with both the consolidation loan and rebuilt card balances. Continue all existing contractual payments until written closure is confirmed.
Keep tax and collateral separate from affordability
A possible deduction should not make an unaffordable EMI appear safe. Home-loan tax treatment depends on ownership, payment, possession, property use, tax regime and current law. Principal and interest are not one generic benefit. Use the tax screen only after entering the amount legally eligible under the household’s facts and verify the official return utility.
Secured loans introduce loss of collateral. Property, gold, shares or mutual-fund units can be valued below the owner’s expectation and may be enforced or sold under default or margin terms. Borrow well below maximum eligibility when asset values can move, maintain a repayment source independent of the collateral and understand the notice and release process.
Official loan guidance
- RBI — Key Facts Statement and all-in cost framework ↗
- RBI — reset of floating-rate EMI loans ↗
- Income Tax Department — official filing and tax resources ↗
Always verify the lender’s current KFS, sanction letter and agreement before acting.