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Loan cost checker

Enter the amount, rate, term and fees. Results update as you type.

Saved on this device.

All ISO 4217 currencies via your browser’s Intl data.
INR ₹
% p.a.
Interest type
One-time fee. Choose below whether it is deducted, paid separately or financed.
INR ₹
Fee treatment
More inputs

Affordability

INR ₹
INR ₹

Repayment strategy

INR ₹
%

Opportunity comparison

% p.a.

Borrowing context

Why are you borrowing?

Loan summary

At a glance

Monthly payment
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Total repaid
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Interest + fees
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Principal — Interest —
Cash received
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Amount borrowed
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Estimated annual cost
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Repaid per 100
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Full cost breakdown

Money flow

Cash received, fees and repayment.

Repayment timeline

Principal and interest across the term.

Signals

Cost and cash-flow pressure

Annual cost and payment-to-income ratio.

Cost signal

0%8%15%25%36%+

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Add income to see how this payment sits after existing obligations.

Alternatives

What changes the total

Compare a lower rate, saving first or paying extra.

Better offer

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    Save first

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      Before you sign

      Checks

      Confirm the essentials and mark any red flags.

      Optional deeper checks

        Red flags

        Any selected flag sets the result to stop.

        Complete the checks before you decide.

        Alternatives and lender costs

        Lender cost reference

        Indicative ranges only — confirm the written offer.

        LenderTypical APRUse only if
        Optional repayment commitment
        INR ₹
        INR ₹

        Schedule & export

        Monthly amortization, assumptions and a downloadable summary.

        Amortization schedule
        MonthPaymentPrincipalInterestBalance
        Assumptions and methodology

        Enter loan details to see the formula note.

        • Reducing-balance EMI uses the standard annuity formula on the financed principal.
        • Flat rate charges interest on the original amount for the full term.
        • Estimated annual cost is a cash-flow IRR annualised from net proceeds and scheduled payments.
        • Fee treatment changes net proceeds and/or financed principal; it does not invent lender rounding.
        • Opportunity figures are illustrations at the rate you set — not a forecast.

        Estimates only—not financial advice. Confirm fees, rates and repayment terms with the lender.