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LOAN & EMI CALCULATORS

Borrow smart, repay easy.

Free, instant EMI and eligibility calculators to plan your borrowing — see your instalment, total interest and affordability before you sign.

Loan Eligibility

Find how large a loan your income can comfortably service.

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Home Loan and Mortgage

Estimate your monthly home-loan EMI, total interest and payment over the tenure.

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Personal Loan

Work out the EMI and total cost of an unsecured personal loan.

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Car and Auto Loan

Calculate your car-loan EMI after a down payment on the on-road price.

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EMI

A quick equated-monthly-instalment calculator for any loan amount, rate and tenure.

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Loan Against Securities

See interest-only monthly instalments on a loan against your shares, mutual funds or bonds — and how much you save by repaying principal monthly.

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Benefits of Using Loan Calculators

Know your EMI instantly

See your exact monthly instalment the moment you enter the amount, rate and tenure.

Borrow within your means

Check eligibility and affordability first, so you never commit to an EMI that strains your budget.

Compare before you sign

Try different tenures and rates side by side to find the cheapest way to borrow.

No surprises later

See the total interest and total payment upfront — the real cost of the loan, in plain numbers.

People Also Ask

What is an EMI calculator?+

An EMI (Equated Monthly Instalment) calculator estimates your fixed monthly loan repayment from three inputs — the loan amount, the interest rate and the tenure — along with the total interest and total amount payable.

Will my actual EMI differ from the estimate?+

It can. The calculator uses the rate and tenure you enter; your lender's final offer may differ based on processing fees, your credit profile and the exact rate sanctioned. Use it as a close, instant estimate to plan with.

What is loan eligibility and how is it decided?+

Eligibility is the maximum loan a lender will offer based on your income, existing EMIs and a comfortable repayment ratio (FOIR). The eligibility calculator estimates how large a loan your income can comfortably service.

Does a larger down payment reduce my EMI?+

Yes. A bigger down payment means a smaller principal, which lowers both your EMI and the total interest you pay over the tenure — one of the simplest ways to make a loan cheaper.

How quickly does the calculator update?+

Instantly. Move any slider and the EMI, total interest and total payment recalculate in real time — no waiting, no sign-up.

⚠ Disclaimer

  1. Past performance may or may not be sustained in future and is not a guarantee of any future returns.
  2. Please note that these calculators are for illustrations only and do not represent actual returns.
  3. Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return.
  4. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.