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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.

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How it works

Enter your loan details

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

We compare to RBI benchmarks

Your rate vs what the market actually charges right now.

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

Your calculator inputs stay in your browser and are not sent to us.

Loan Amount?The original amount you borrowed from the bank, not including any interest.

Your Interest Rate (% p.a.)?The annual interest rate on your loan. Check your loan agreement — listed as "Rate of Interest".

Loan Tenure?Total duration of your loan — how long you agreed to repay it.

Tenure Unit?Choose whether you entered the tenure in months or years.

Monthly EMI?Equated Monthly Instalment — your fixed monthly payment. Optional: leave blank and we calculate it automatically. Enter your exact EMI for precision results

Lender / Bank Name?Optional. Enter your bank name to get personalised tips specific to your lender.

Your CIBIL Score?Optional but recommended. Enter your credit score (300–900). A higher score means you should qualify for lower rates — this helps us give you a more accurate verdict. Leave blank if you don't know — we'll use the general benchmark

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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

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vs fair market rate

Rate difference

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Your EMI

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what you pay monthly

Fair Market EMI

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what you should pay

Monthly Waste

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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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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 →

Is Your BankOvercharging You?