Loans
Borrow wisely,repay comfortably.
Every kind of loan — explained in plain words, compared across banks and housing finance companies, with the paperwork handled and someone on your side until the money is in your account.
Our loans
A loan forevery need.
Open any loan for a full, simple guide — how much you can borrow, what it costs, the documents needed and a worked example.
- 01Home LoanFinance the home you have been dreaming of — with the right lender and terms.
- 02Balance Transfer & Top-upMove an existing loan to a lower rate — and access extra funds if you need them.
- 03Loan Against PropertyUnlock the value of property you own for larger needs, at lower rates than unsecured loans.
- 04Business & MSME LoansWorking capital and growth funding for traders, professionals and MSMEs.
- 05Car & Two-Wheeler LoanDrive home your new or pre-owned vehicle with a loan that fits your budget.
- 06Education LoanFund higher education in India or abroad, without dipping into long-term savings.
- 07Personal LoanQuick, collateral-free funds for planned and unplanned needs.
- 08Gold LoanImmediate funds against your gold jewellery, with minimal paperwork.
- 09Loan Against Mutual Funds & SharesMeet short-term needs without selling your long-term investments.
At a glance
Which loansuits you?
Typical interest rates and terms across Indian banks and lenders today. Your actual rate depends on the lender, the amount and your credit record.
01
Home loan
- Typical interest rate
- About 7.5% – 9.5%
- Repay over
- Up to 30 years
- Security
- The home you buy
- Good for
- Buying, building or renovating a home
02
Loan against property
- Typical interest rate
- About 9% – 12%
- Repay over
- Up to 15–20 years
- Security
- A property you own
- Good for
- Large needs at a low rate
03
Business loan
- Typical interest rate
- About 10% – 24%
- Repay over
- 1 – 10 years
- Security
- With or without
- Good for
- Stock, machinery, expansion
04
Car loan
- Typical interest rate
- About 8.5% – 11%
- Repay over
- 1 – 7 years
- Security
- The car
- Good for
- A new or used car
05
Education loan
- Typical interest rate
- About 8.5% – 13%
- Repay over
- Up to 15 years after the course
- Security
- Not needed up to ₹7.5 lakh
- Good for
- Studies in India or abroad
06
Personal loan
- Typical interest rate
- About 10.5% – 20%
- Repay over
- 1 – 5 years
- Security
- None
- Good for
- Urgent, one-off needs
07
Gold loan
- Typical interest rate
- About 9% – 18%
- Repay over
- Up to 3 years
- Security
- Your gold jewellery
- Good for
- Money within hours
08
Loan against investments
- Typical interest rate
- About 9% – 12%
- Repay over
- Overdraft, renewable yearly
- Security
- Mutual funds or shares
- Good for
- Short-term needs without selling
Indicative ranges, November 2026. Rates change with the RBI’s policy rate and each lender’s pricing.
Plan your repayment
Know your EMIbefore you apply.
Move the amount, rate and term to find a monthly payment that fits comfortably in your budget — and see how much of it is interest.
Your details
Drag the sliders or type a number — results update instantly.
Use the rate offered by your lender. Floating rates can change over the tenure.
Your monthly EMI
₹0
Interest makes up 52% of everything you repay over 20 years.
- Loan amount
- ₹0
- Total interest
- ₹0
- Total amount payable
- ₹0
- Loan amount
- ₹50,00,000
- Interest
- ₹54,13,879
Year-wise repayment
PrincipalInterest
View year-by-year repayment table
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹99.5 K | ₹4.21 L | ₹49.00 L |
| 2 | ₹1.08 L | ₹4.12 L | ₹47.92 L |
| 3 | ₹1.18 L | ₹4.03 L | ₹46.74 L |
| 4 | ₹1.28 L | ₹3.92 L | ₹45.46 L |
| 5 | ₹1.40 L | ₹3.81 L | ₹44.06 L |
| 6 | ₹1.52 L | ₹3.69 L | ₹42.54 L |
| 7 | ₹1.65 L | ₹3.55 L | ₹40.89 L |
| 8 | ₹1.80 L | ₹3.41 L | ₹39.09 L |
| 9 | ₹1.96 L | ₹3.25 L | ₹37.13 L |
| 10 | ₹2.13 L | ₹3.07 L | ₹35.00 L |
| 11 | ₹2.32 L | ₹2.89 L | ₹32.68 L |
| 12 | ₹2.53 L | ₹2.68 L | ₹30.15 L |
| 13 | ₹2.75 L | ₹2.46 L | ₹27.40 L |
| 14 | ₹2.99 L | ₹2.21 L | ₹24.41 L |
| 15 | ₹3.26 L | ₹1.95 L | ₹21.15 L |
| 16 | ₹3.55 L | ₹1.66 L | ₹17.60 L |
| 17 | ₹3.86 L | ₹1.35 L | ₹13.75 L |
| 18 | ₹4.20 L | ₹1.01 L | ₹9.55 L |
| 19 | ₹4.57 L | ₹63.6 K | ₹4.97 L |
| 20 | ₹4.97 L | ₹23.2 K | ₹0 |
Assumptions & method
- Reducing-balance method with interest calculated monthly.
- Constant 8.5% rate for the full tenure.
- Excludes processing fees, insurance and other charges.
Calculations are illustrative and should not be considered financial advice.
Keep this result
Your interest rate
What decidesyour rate.
Two people can be offered very different rates for the same loan. These are the things lenders look at.
- 01
Your credit score
A score of 750 or more gets the best rates. It reflects how reliably you have repaid loans and credit cards.
- 02
Your income and job
A stable salary or steady business income — and a reputed employer — lowers the lender’s risk.
- 03
Existing EMIs
Lenders prefer all your EMIs together to stay within about half of your monthly income.
- 04
Security offered
Loans backed by property, gold or investments cost much less than unsecured loans.
Be ready
Documentsmost lenders ask for.
Having these ready speeds up approval. Each loan guide lists anything extra that loan needs.
- PAN card
- Aadhaar card
- Recent passport-size photographs
- Last 3–6 months’ salary slips (salaried)
- Last 2–3 years’ income tax returns
- 6–12 months’ bank statements
- Business proof and GST returns (self-employed)
- Property or security documents, where needed
How it works
From applicationto money in your account.
- 1
Find the right loan
We understand your need and budget, then compare rates, fees and conditions from several lenders.
- 2
Paperwork, handled
A clear document list, a complete application and follow-ups with the lender until approval.
- 3
Beyond the loan
Part-payments, rate reviews and balance transfers whenever they can save you money.
Questions
Good toknow.
How much EMI can I afford?
A comfortable rule is to keep all your EMIs together within about 40% of your take-home pay, leaving room for savings and emergencies. The EMI calculator above helps you find that level.
Can I repay my loan early?
Yes. On floating-rate loans taken by individuals, banks cannot charge a prepayment penalty. Fixed-rate and some personal or business loans may carry a charge — always check first.
Will applying to many lenders hurt my credit score?
Several applications in a short time can lower your score. We compare offers first and apply only where approval is likely.
Is it worth moving my home loan to another bank?
If the new rate is at least about 0.5% lower and many years remain, usually yes. We work out the saving after all costs before you decide.
Do you charge for loan assistance?
We explain any applicable fees upfront, before you decide — please speak to us about your specific loan.
Loans are provided by partner banks and NBFCs and are subject to their credit assessment, terms and conditions. Interest rates, fees and eligibility vary by lender and borrower profile. We facilitate the process and do not lend directly. The information on this website is for general educational purposes only and does not constitute investment, tax or legal advice. Please consult a qualified professional before making financial decisions.
Let’s Plan Your Next Chapter
Your dreamsdeserve a plan.
Let’s understand where you are today, where you want to go and how we can help you plan the journey ahead.