RBI held repo rate at 5.25% · Apr 2026 · What this means for your EMI →

Free Loan Resources

Everything an Indian borrower needs, tools, rate guides, and official sources in one place.

Every tool on this page runs entirely in your browser — your numbers are never sent to a server or stored anywhere. We don't take commission from any bank or NBFC listed on this site, so there's no reason to nudge you toward one lender over another. Use whichever tool matches what you're trying to figure out, or start with the Loan Rate Checker if you're not sure where to begin.

Our free tools

Loan Rate CheckerIs your interest rate fair vs current market? Instant verdict with rupee-exact savings.

Compare Two OffersWhich loan offer is cheaper in total interest and all-in cost?

Balance Transfer CalculatorExact savings, break-even point, and clear verdict on whether to switch.

Prepayment CalculatorHow much interest do you save? What's your effective return on that prepayment?

True Loan CostReal APR including all hidden fees, processing, GST, insurance, annual charges.

CIBIL Score ImpactHow your CIBIL score affects your rate, and a personalised improvement plan.

EMI CalculatorCalculate exact monthly payment, total interest, and see if your rate is fair vs benchmarks.

Personal Loan Eligibility CheckerHow much personal loan can you get? Instant estimate based on salary, EMIs and CIBIL score.

Two-Wheeler Loan CheckerIs your bike or scooter loan rate fair? Check against market benchmark instantly.

Gold Loan CheckerIs your gold loan rate fair? Banks offer from 8.5% — find out if you're overpaying.

Rate guides by loan type

Personal Loan RatesCurrent rates from all major banks. Fair range benchmark for 2026.

Home Loan RatesEBLR vs MCLR explained. Who offers the best rates right now?

Car Loan RatesBank loans vs manufacturer finance, which is better?

Education Loan RatesGovt scheme rates, subsidies, and what Vidya Lakshmi offers.

Guides

Is Your Personal Loan Rate Actually Fair?How to check your rate vs market benchmarks.

5 Signs Your Bank Is Overcharging YouWarning signs and what to do about them.

Why Was My Loan Rejected?7 reasons and what to do about each.

What CIBIL Score Do You Need?What each score range actually gets you in rates.

Fixed vs Floating Home Loan RateWhich to choose in a rate-cutting cycle.

How to Negotiate Your Loan RateThe exact scripts that actually work.

Improve CIBIL Score 650 → 750Step-by-step plan with realistic timelines.

When to Close a Loan EarlySometimes it's smart. Sometimes the money is better elsewhere.

First Home Loan Checklist12 things to check before you sign anything.

Personal Loan for Govt EmployeesWhy govt employees get the best rates and how to claim them.

How to Close a Loan EarlyThe process, the charges, and whether it's worth it.

See all 37 guides →Personal loan, home loan, CIBIL, RBI rates and more.

Reference

RBI Rate HistoryEvery repo rate decision from 2019 to 2026 with EMI impact.

Loan GlossaryEMI, APR, MCLR, RLLR, CIBIL and every other term explained simply.

Official external resources

RBI WebsiteOfficial monetary policy decisions, press releases, and guidelines for borrowers.

CIBIL.comFree annual credit report. Check your CIBIL score and dispute any errors.

PaisaBazaarCompare actual loan offers from multiple lenders. Free, no obligation.

BankBazaarApply and compare offers from banks and NBFCs. Free eligibility check.

Common questions about these resources

Are these tools really free, with no signup required?

Yes — every calculator on this page works without an account, email, or payment. The only optional data collection is an email address if you choose to subscribe to RBI rate alerts, and even that's opt-in via a clearly separate signup, not required to use any tool.

Where does the rate data on this site come from?

Rates and benchmarks are sourced from publicly available RBI data and lender rate cards, and updated regularly. See our methodology page for exactly how we define a "fair" rate for each loan type.

Why do you link to PaisaBazaar and BankBazaar if you're a comparison site yourselves?

Because they do something we don't — they let you actually apply and receive real offers from multiple lenders in one place. Our tools tell you whether a rate is fair; theirs help you shop for a new one. We think both are useful, so we link out rather than pretend we're the only resource you need.

Which tool should I start with if I already have a loan?

Start with the Loan Rate Checker to see if your current rate is fair. If it's not, the Balance Transfer Calculator and Prepayment Calculator will tell you whether switching or prepaying actually saves you money once fees are accounted for.