Plan before you borrow. Move the sliders to see your monthly EMI, total interest and APR instantly — then apply for the lowest rate with LoanBandhu.
*APR (Annual Percentage Rate) shown here is indicative and includes an estimated one-time processing fee. Your actual APR depends on the lender, your profile and applicable charges. Figures are estimates — your Loan Bandhu confirms exact numbers.
The interest rate is only part of the story. APR bundles the interest and one-time costs like processing fees into a single yearly percentage — so two loans at the same interest rate can have very different APRs. Always compare APR, not just the headline rate. Your LoanBandhu consultant breaks this down clearly before you sign.
Tenure is how long you take to repay. A longer tenure means a smaller monthly EMI but more total interest; a shorter tenure means a bigger EMI but far less interest overall. The right tenure balances a comfortable EMI with the lowest sensible total cost — we help you find that sweet spot.
A ₹10,00,000 loan at 10.5% p.a. for 15 years — here's exactly where your money goes.
| Particular | Amount |
|---|---|
| Loan amount (principal) | ₹ 10,00,000 |
| Interest rate | 10.5% p.a. |
| Tenure | 15 years (180 months) |
| Monthly EMI | ₹ 11,054 |
| Total interest payable | ₹ 9,89,720 |
| Total amount payable | ₹ 19,89,720 |
Notice how the total interest is almost equal to the loan itself over a long tenure — which is exactly why getting the lowest ROI matters so much. Even a 1% lower rate can save you lakhs.
Know your exact monthly outgo before you borrow, so the EMI always fits your income.
Try different amounts, rates and tenures in seconds to find the most comfortable mix.
No manual maths or guesswork — get accurate figures the moment you move a slider.
Understand total interest and APR up front, with no hidden surprises later.
Walk into the loan fully informed — and negotiate harder for a lower rate.
Balance a low EMI against low total interest and pick the tenure that suits you best.
A higher CIBIL score unlocks lower interest rates. Check yours free, understand what's affecting it, and fix it before you borrow — we'll guide you through it.
Check Credit ScoreUse this calculator, then submit a quick enquiry with your need.
A dedicated Loan Bandhu verifies your details and eligibility.
Share basic KYC, income and property/loan papers — we guide you.
We negotiate the lowest ROI and get your loan disbursed fast.