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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.
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