Loans & EMI Calculators Tools
Free loans & emi calculators grouped in one place.
No Cost EMI vs Personal Loan Calculator
Compare No Cost EMI against a personal loan for the same purchase. This calculator uncovers the effective interest rate hidden inside "0% EMI" offers using RBI's cash-discount method, and stacks it against a personal loan's real EMI and total cost.
EMI vs Tenure Reduction Calculator
Free EMI vs Tenure Reduction Calculator to see exactly what happens after a loan prepayment. Enter your outstanding balance, prepayment amount, interest rate, and remaining tenure — the calculator instantly compares Option A (reduce tenure, same EMI) against Option B (reduce EMI, same tenure), showing the new EMI, new tenure, and total interest under each. Built on the standard reducing-balance EMI formula and updated for RBI's 2026 prepayment charge rules, this tool helps home loan, personal loan, and car loan borrowers in India decide which prepayment option actually saves more money before calling their bank.
RBI Pre-payment-Charge Eligibility Checker
Free RBI Pre-payment Charge Eligibility Checker — find out instantly whether your bank or NBFC can legally levy a foreclosure charge or pre-payment penalty on your floating-rate loan under the RBI (Pre-payment Charges on Loans) Directions, 2025. Covers home loans, personal loans, and business loans for individuals and MSEs, based on loan purpose, lender category (bank/NBFC/RRB/SFB/co-op bank), and sanctioned amount. Get an instant eligible / not-eligible verdict with the exact RBI clause behind it — no signup required.
Home Loan Prepayment Calculator
Free Home Loan Prepayment Calculator to check exactly how much interest you save on a lump-sum part-payment. Compare "reduce EMI" vs "reduce tenure," aligned with RBI's 2025 rule on zero prepayment charges for floating-rate loans.
No Cost EMI Calculator – True Cost & Hidden Charges
Calculate the real hidden cost of "no-cost" EMI offers on Indian credit cards — forgone cash discount, processing fee, GST, and true effective APR.
Loan Foreclosure Charges Checker
Check if your bank or NBFC can legally charge you for closing your loan early. Our Loan Foreclosure Charges Checker applies RBI's 2025 Directions instantly.