Loans & Big Purchases

What this category covers

Most loan decisions come down to the same handful of questions: what the EMI actually is at a given rate and tenure, how much prepaying early actually saves in interest, and whether a big purchase — a home, a car, or renting instead of buying — makes sense at the numbers you're looking at. This category covers the EMI maths behind home, car, personal, business, and education loans, and the trade-offs in the rent-vs-buy decision.

Loan interest rates and eligibility criteria vary by lender and change with RBI policy. The calculators below work from the rate and tenure you enter — they estimate the maths correctly, but the actual rate a lender offers you depends on your credit profile and their current terms.

Loan & big-purchase calculators in this category

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