Loan calculators that
Fifteen tools covering every loan we arrange — EMI, FOIR eligibility, RBI LTV, Delhi stamp duty, DSCR, drawing power, balance transfer and more. Each result can be sent to our team in one tap.
- 15 tools
- No sign-up
- No CIBIL impact
EMI calculator Formula
EMI = P × r × (1+r)ⁿ ÷ [(1+r)ⁿ − 1] · r = annual rate ÷ 12 ÷ 100 · n = months
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Loan eligibility (FOIR) ASDC method+
EMI capacity = income × FOIR − existing EMIs · Max loan = EMI × [(1+r)ⁿ − 1] ÷ [r(1+r)ⁿ]
You areIndicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
EMI Saver — balance transfer & consolidation ASDC tool+
Consolidated EMI = EMI(total outstanding, new rate, new tenure) · Monthly saving = current EMIs − consolidated EMI
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Prepayment saver Save interest
Interest saved = scheduled interest − interest after a lump-sum part-payment (tenure reduces, EMI unchanged)
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Home Loan Planner — Delhi RBI LTV + stamp duty
Loan = lower of (income-based max) and (property × RBI LTV: 90% ≤ ₹30 L · 80% ₹30–75 L · 75% above) · Delhi stamp duty 6% men / 4% women / 5% joint + 1% registration
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Home loan tax saver Sec 24(b) + 80C
Deduction = min(year-1 interest, ₹2 L) + min(year-1 principal, ₹1.5 L) · Tax saved = deduction × slab × 1.04 (old regime, self-occupied)
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
DSCR check Bankability
DSCR = (PAT + depreciation + interest) ÷ (interest + principal repaid in the year) · lenders look for ≥ 1.25
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Drawing power & CC limit Working capital
Drawing power = (stock + debtors < 90 days − creditors) × (1 − margin) · Turnover method: need 25% of turnover, bank funds 20%
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Overdraft vs term loan Pay for use
OD interest = limit × average utilisation × rate · Term loan: year-1 interest on the full amount (3-yr EMI loan)
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Business Installment Loan — 30-second check Lender criteria
Checks: turnover ≥ ₹40 L × 2 yrs · vintage ≥ 3 yrs · age 25–65 · profitable · Amount = FOIR on monthly profit, ₹5 L – ₹35 L
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Project structure Bankability
Loan = cost × (1 − promoter margin) · D:E = loan ÷ promoter money · DSCR = (cash accrual + interest) ÷ annual debt service
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Car loan & down payment On-road funding
Loan = on-road price × funding % · Total cost = price + interest
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Education loan & moratorium Sec 80E
Interest during study = loan × rate × (course + grace) · EMI on principal + accrued interest · 80E: full interest deductible for 8 yrs
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Equipment loan tax shield Business
Year-1 tax shield = (interest + depreciation) × tax rate · Depreciation: computers 40%, plant & machinery 15%, furniture 10% (WDV)
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Document checklist builder Tick as you go
Pick your loan and profile — tick each document you already have, then send the pending list to our team.
LoanYou areThe Vault Dial — loan against property
How much of your property can work for you?
Eligible LAP = lower of (market value × indicative LTV for the property type) and (income-based maximum at 65% FOIR)
Property typeIndicative LTVs used: residential 65%, commercial 55%, industrial 50%. Actual LTV varies by lender, property and location. Final terms per lender appraisal.
Lift the weight off your monthly budget
Several loans and card dues at different rates drain more than they need to. Moving them into one lower-rate loan can free up a meaningful sum every month.
RBI's directions bar pre-payment charges on floating-rate loans to individuals and micro & small enterprises sanctioned or renewed from 1 January 2026 — so switching to a better lender is easier than ever.
Open EMI SaverAbout these tools
They use the standard formulas lenders use (EMI, FOIR, LTV, DSCR, drawing power). Results are indicative because each lender applies its own policy, rate and credit assessment.
No. Calculations run in your browser. Nothing is sent unless you press a WhatsApp button.
No. These tools never access your credit report.
Lenders check both what the security allows (e.g. property value × LTV) and what your income can repay. The lower of the two is your realistic eligibility.
Many lenders allow total EMIs of roughly 50–60% of net income, sometimes more for higher incomes. Start at 55% and adjust.
Use the default as a starting point. Our team will tell you the actual rates available for your profile.
Debt Service Coverage Ratio: how comfortably your business profits cover all loan repayments in a year. Lenders typically look for at least 1.25.
Yes. Every tool has a WhatsApp button that sends your inputs and results to our team for a personalised offer.
Tell us what you need — we'll do the running around
One conversation, many lenders. We pre-check your file, negotiate the rate and stay with you after disbursal.
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