RBI held repo rate at 6.25% · Mar 2026 · What this means for your EMI →
Free Tool · Instant Results · India

Which Loan Offer Is
Actually Cheaper?

Enter two offers. Get the definitive answer, total interest, EMI, processing fee, and all-in cost included.

Select loan type
AOffer A
One-time fee
VS
BOffer B
One-time fee
🏆

—

—

Total savings by choosing the better offer
—
over full loan tenure incl. fees
Monthly EMI difference
—
per month cheaper
Category Offer A Offer B Winner
Interest Rate———
Monthly EMI———
Total Interest———
Processing Fee———
Total Cost (All-in)———

Our recommendation

    Check if you're overpaying →

    Related guides

    Personal loan vs credit card — which is cheaper to borrow? Personal loan vs gold loan — which makes more sense? Don't forget to compare processing fees too