RBI held repo rate at 5.25% · Apr 2026 · What this means for your EMI →
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Is Your Bank
Overcharging You?

Enter your loan details. Find out in seconds exactly how much your bank is taking from you.

Your loan details never leave this browser. No account needed. We never see your numbers.
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How it works
01

Enter your loan details

Amount, rate, and tenure. Three numbers. That's it.

02

We compare to RBI benchmarks

Your rate vs what the market actually charges right now.

03

See the exact rupees you're losing

Monthly overpayment. Total interest wasted. Full picture.

Select your loan type
ℹ Market benchmark (Personal Loan): RBI repo rate + spread. Fair range: 10.5% – 14% p.a. Anything above 18% is expensive. Above 24% is a red flag.

Your Loan Details

Runs entirely in your browser. We see nothing.

Enter your exact EMI for precision results
Leave blank if you don't know — we'll use the general benchmark
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Analysing...

0 50 100
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Loan Health Score
Calculating...

Your Loan Health

Enter your loan details above to get your personalised loan health score.

Total extra interest over full tenure
—
vs fair market rate
Rate difference
—
Your EMI
—
what you pay monthly
Fair Market EMI
—
what you should pay
Monthly Waste
—
overpaid every month

Side-by-Side Comparison

Yours Market
Category Yours Market Diff
Interest Rate — — —
Monthly EMI — — —
Total Interest — — —
Total Amount Paid — — —
Visual Breakdown
Principal vs Interest Paid
Yours vs what the market charges
Principal Your Interest Market Interest
Your Payment Breakdown
Where every rupee you pay goes
Outstanding Balance Over Time
How your loan reduces month by month
Your loan At market rate
Overpaying? Go see what else is out there
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Why trust us
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Zero data stored

Every calculation runs entirely in your browser. We never see your loan amount, rate, or tenure. Google Analytics collects anonymous page visit data only — you control this via the cookie banner.

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Free forever

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RBI-based benchmarks

Every benchmark comes from RBI data and what lenders actually publish. Updated regularly.

Rates last checked: March 2026 · View RBI rate history →