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Free Tool · India · No Login

What Does Your Loan
Actually Cost?

Banks advertise the interest rate. This tool calculates your true APR, including processing fees, GST, insurance, and every hidden charge.

Loan Details + All Fees

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

Real APR vs quoted rate of
Monthly EMI
Total Extra Paid
Cost per ₹1 Lakh

Full Cost Breakdown

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

Related guides

What is a loan processing fee and when can you avoid it? GST on loans — what you actually pay and on what