Loan Details + All Fees

Add every charge your bank mentioned. Leave optional fields blank if not applicable.

Loan Amount?The principal amount you are borrowing.

Interest Rate (% p.a.)?The annual interest rate on the loan.

Tenure?The repayment duration of your loan. Longer tenure means smaller EMI but more total interest paid.

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

Processing Fee?One-time fee to process your loan. Can be a flat amount or percentage of loan amount.

GST on Fee (%)?GST is charged on the processing fee at 18%. This adds to your upfront cost.

Stamp Duty?A government tax on the loan agreement document. Varies by state — typically ₹100–500 for personal loans.

Documentation Charges?Fees for paperwork and legal documentation. Check your loan sanction letter for this amount.

Loan Insurance (one-time)?Optional insurance that covers your loan repayments in case of job loss or death. Often bundled by lenders.

Annual Maintenance Fee?Some lenders charge a yearly account maintenance fee. Check your loan agreement.

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Real APR vs quoted rate of —

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Monthly EMI

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Total Extra Paid

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Cost per ₹1 Lakh

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Principal (loan amount)—

Total Interest—

Processing Fee—

GST on Processing Fee—

Stamp Duty—

Documentation Charges—

Loan Insurance—

Annual Fees (total tenure)—

Total Cost of Loan—

What Does Your Loan
Actually Cost?