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Loan guides for India
Plain-English explainers on home, car and personal loans — interest rates, eligibility, prepayment and tax — each with worked ₹ examples you can reproduce in the calculator.
Flat vs reducing balance interest rate
Why a 10% flat rate can really cost you ~17% — and how to compare loan offers correctly.
Home loanWhat salary do you need for a ₹50 lakh home loan?
How FOIR and tenure decide your eligibility — with the income each EMI requires.
PrepaymentHome loan prepayment: reduce EMI or tenure?
The choice that decides whether you save lakhs — with a worked ₹50 lakh example.
Car loanOn-road vs ex-showroom price: how much car loan?
What lenders actually finance, and the down payment you should plan for.
Home loanFixed vs floating home loan rate
Which to choose, and how a 0.5% rate move changes a ₹50 lakh EMI.
TaxHome loan tax benefits: 80C, 24(b) & 80EEA
Up to ₹1.5L + ₹2L deductions under the old regime — and the new-regime catch.
Personal loanPersonal loan eligibility: salary, CIBIL & FOIR
The minimum salary, the score lenders want, and the income a ₹5 lakh loan needs.
Car loanBest car loan tenure: 3, 5 or 7 years?
A worked ₹8 lakh comparison — shorter means a higher EMI but far less interest.
Credit scoreWhat is a good CIBIL score for a loan?
750+ wins the best rates — and saves over ₹7 lakh on a home loan. How to improve it.
Home loanHow to reduce your home loan EMI: 8 ways
A better rate, balance transfer, prepayment and more — with worked ₹50 lakh numbers for each.
Home loanHow the RBI repo rate affects your home loan EMI
A 0.25% cut saves ₹801 a month on a ₹50 lakh loan — and a hike costs ₹807 more. How the EBLR mechanism works.
Home loanPMAY subsidy explained (PMAY-U 2.0)
How PMAY-U 2.0's interest subsidy cuts your EMI — up to ₹1.8 lakh off your loan if your household earns under ₹9 lakh.
Home loanHome loan balance transfer: is it worth it?
A 1% cheaper lender saves ₹2,600 a month five years in — but the fee takes ~17 months to break even.
Car loanNewNew vs used car loan: rates, tenure & eligibility
Used car loans run 11–15% vs 9–10.5% for new, with shorter tenure caps — a worked ₹8 lakh comparison.
Ready to run your own numbers? Use the free calculators — no sign-up, all in ₹ INR.
Home Loan EMI Calculator · Car Loan EMI Calculator · Personal Loan EMI Calculator