Indian Loan EMI Calculators
Every retail-loan calculator in one place. RBI reducing-balance formula across the cluster
(EMI = P × R × (1+R)ⁿ ÷ ((1+R)ⁿ − 1)) — only credit-card EMI uses flat-rate.
Each calculator cites its source.
Calculate EMI for any Indian retail loan.
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EMI Calculator — Compute Monthly Loan EMI for Any Indian Retail Loan
Calculate EMI for home, car, two-wheeler, personal, education, business, gold, or credit-card loans using the RBI reducing-balance method. India-specific formula, all major banks.
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Home Loan EMI Calculator — 2026 Latest Interest Rates
Calculate your home loan EMI with current Indian bank interest rates. Formula-cited (RBI reducing-balance method), with full amortization schedule and tax-benefit links.
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Car Loan EMI Calculator — Latest Indian New & Used Car Loan Rates
Calculate car loan EMI for any model with 2026 Indian bank rates. RBI reducing-balance formula, on-road vs ex-showroom price guidance, and bank rate comparison.
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Bike / Two-Wheeler Loan EMI Calculator — All Manufacturer Models
Calculate two-wheeler loan EMI with current Indian bank rates. RBI reducing-balance formula. Royal Enfield, KTM, Yamaha, Honda, Bajaj, Hero — all major models covered.
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Personal Loan EMI Calculator — All Indian Banks & NBFCs
Calculate unsecured personal loan EMI for SBI, HDFC, ICICI, Axis, Bajaj, Tata Capital. RBI reducing-balance formula. Includes processing fee + GST and comparison with credit-card EMI.
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Education Loan EMI Calculator — Indian Bank Rates with Moratorium
Calculate education loan EMI with the moratorium period (course duration + 1 year). Includes Section 80E tax benefit on interest paid, with 8-year deduction window.
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Business Loan EMI Calculator — Term Loans, Working Capital, MSME
Calculate business loan EMI for term loans, working capital, equipment finance, and MSME schemes (Mudra, Stand-Up India). Includes MUDRA caps and CGTMSE collateral-free options.
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Gold Loan Calculator — Loan Against Gold at 75% LTV
Calculate gold loan EMI or bullet repayment with the RBI 75% LTV cap. Compares organised lenders (Muthoot, Manappuram, banks) and shows per-gram loan eligibility at current 22ct rates.
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Loan Against Property (LAP) EMI Calculator — Mortgage Loan India
Calculate EMI on a loan against residential, commercial, or industrial property. Includes LTV bands (50–70%), bank rate comparison, and tax benefit (no Section 24(b) on LAP).
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Credit Card EMI Calculator — HDFC, SBI, ICICI, Axis Conversion Cost
Calculate the true cost of converting a credit-card transaction to EMI: flat-rate interest + 18% GST + processing fee. Compares with personal-loan equivalent rate.
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Beyond the EMI — eligibility, prepayment, transfer, tax.
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Flat vs Reducing Balance Interest Calculator — True Cost Comparison
Side-by-side EMI and total interest comparison for flat-rate vs reducing-balance methods at the same nominal rate. Spoiler: flat is ~1.8× more expensive in true APR.
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Home Loan Prepayment Calculator — Interest You Save by Paying Early
Model the interest savings from a one-time partial prepayment of your home loan. Compare 'keep EMI, shorten tenure' vs 'reduce EMI, keep tenure'.
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Home Loan Eligibility Calculator — Maximum Loan on Your Salary
Compute maximum home loan eligibility based on your salary, existing EMIs, and bank FOIR cap. Honest, India-specific — no inflated 60× multipliers.
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Home Loan Balance Transfer Calculator — Net Interest Savings
Compute net savings from refinancing your home loan: gross interest saving minus the new lender's processing fee + GST and your current lender's foreclosure fee.
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Home Loan Tax Benefit Calculator — Sections 24(b), 80C, 80EEA
Compute year-by-year tax savings on your home loan under Section 24(b) (interest, ₹2L cap), Section 80C (principal, ₹1.5L cap), and Section 80EEA (first-time buyer ₹1.5L extra).
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Model-specific car EMI calculators.
On-road price guidance, model-specific finance options.
- Maruti Suzuki Alto K10
- Honda Amaze
- Maruti Suzuki Baleno
- Maruti Suzuki Brezza
- Honda City
- Hyundai Creta
- Honda Elevate
- Maruti Suzuki Ertiga
- Toyota Fortuner
- Maruti Suzuki Fronx
- Tata Harrier
- Hyundai i20
- Toyota Innova Hycross
- Skoda Kushaq
- Renault Kwid
- Tata Nexon
- Tata Safari
- Mahindra Scorpio N
- Skoda Slavia
- Maruti Suzuki Swift
- Tata Punch
- Tata Sierra
- Mahindra Thar Roxx
- Mahindra Thar
- Tata Tiago
- Hyundai Venue
- Hyundai Verna
- Maruti Suzuki Wagon R
- Mahindra XUV 3XO
- Mahindra XUV 700
Bike + EV scooter EMI calculators.
- Honda Activa
- TVS Apache RTR 160
- Ather 450X
- Royal Enfield Classic 350
- KTM Duke 250
- KTM Duke 390
- Yamaha FZ-X
- Royal Enfield Continental GT 650
- Royal Enfield Hunter 350
- Yamaha MT 15
- Ola S1 Pro
- Bajaj Pulsar 150
- Bajaj Pulsar N160
- TVS Ronin
- Royal Enfield (range)
- Triumph Scrambler 400 X
- Honda Shine 100
- Triumph Speed 400
- Hero Splendor Plus
- Hero XPulse 200
Bank-specific calculators with current published rates.
Same RBI reducing-balance formula as the universal calculators — pre-filled with each bank's current rate band.
Home loan
Personal loan
Loan rates and terms shown are sourced from public bank disclosures; actual rates depend on credit profile, loan amount, and lender underwriting. This page is educational and does not guarantee loan approval or terms.