Loans
Borrowing decisions, from what you can get sanctioned to whether paying early is worth it.
19 guides
Personal Loan EMI for ₹1 Lakh: Monthly Cost Across 1 to 5 Years
Calculate the exact monthly EMI and total interest for a ₹1 Lakh personal loan at 10.5% to 14% interest across 1, 2, 3, 4, and 5-year tenures.
Personal Loan EMI for ₹5 Lakh: 1 to 5 Year Repayment Breakdown
EMI and total interest on a ₹5 lakh personal loan over 1 to 5 years, with the salary you need to qualify and what prepaying saves.
Personal Loan EMI for ₹10 Lakh: Interest, Salary & Prepayment Strategy
Calculate monthly EMI on a ₹10 Lakh personal loan across 1 to 5 years. Understand income requirements, amortization impact, and interest reduction tips.
Home Loan EMI for ₹20 Lakh: 10, 15, 20 & 30 Year Calculation
Calculate exact EMI on a ₹20 Lakh home loan at 8.5% to 9% interest across 10, 15, 20, 25, and 30-year tenures. View total interest and tax savings.
Home Loan EMI for ₹30 Lakh: Monthly Cost, Total Interest & Eligibility
Calculate the exact monthly EMI and total interest on a ₹30 Lakh home loan at 8.5% interest across 10 to 30 years. Learn required salary and prepayment tips.
Home Loan EMI for ₹50 Lakh: Monthly Cost, Total Interest & Prepayment Plan
Calculate monthly EMI on a ₹50 Lakh home loan at 8.00% to 9.00%. See how a single extra prepayment annually saves over ₹15 Lakh in interest.
Car Loan EMI for ₹5 Lakh: 3, 5 & 7 Year Repayment Schedule
Calculate monthly EMI and total interest for a ₹5 Lakh car loan at 8.75% to 10.5% interest across 3, 5, and 7-year tenures. Compare bank rates.
Car Loan EMI for ₹10 Lakh: 3, 5 & 7 Year Cost Analysis
Calculate monthly EMI and total interest for a ₹10 Lakh car loan across 3 to 7 years. Understand down payment impact, processing fees, and foreclosure terms.
Personal Loan Eligibility for ₹30,000 Salary: Max Amount & EMI Limit
Find out how much personal loan you can get with a ₹30,000 monthly salary. Learn how FOIR, CIBIL score, and tenure decide your sanction limit.
Home Loan Eligibility for ₹50,000 Salary: Maximum Loan Amount Explained
Find out how much home loan you can get with a ₹50,000 net monthly salary. View maximum sanction amounts across 15, 20, 25, and 30-year tenures.
How Much EMI Can I Afford? The 50/30/20 Rule for Loan Planning
Learn how to calculate your safe monthly EMI limit using the 50/30/20 budget framework and banking FOIR guidelines. Avoid debt traps and overborrowing.
Does Loan Prepayment Reduce EMI or Tenure? Which Option Saves More?
Learn whether reducing EMI or reducing tenure saves more interest when making a loan prepayment. Detailed calculations and strategy for Indian borrowers.
How to Reduce Loan Interest: 6 Proven Tactics for Indian Borrowers
Cut your total interest payout on personal loans and mortgages. Learn about annual prepayments, balance transfers, spread renegotiation, and repo-linked resets.
Loan Tenure: 5 vs 10 vs 15 Years - EMI, Interest & Cost Trade-off
Compare monthly EMI and total interest across 5, 10, and 15-year loan tenures. Learn how tenure selection fundamentally determines borrowing costs.
What Is a Good FOIR for a Personal Loan? Bank Underwriting Rules
Understand Fixed Obligation to Income Ratio (FOIR) standards for personal loans in India. Learn acceptable benchmarks (40% to 50%) and how to fix a high FOIR.
What Happens If You Prepay a Loan?
What a lump-sum prepayment does to an Indian loan, the choice between cutting the tenure and cutting the EMI, and when it is worth doing at all.
How Much Loan Can You Get on Your Salary?
How lenders turn your income into a loan amount, what FOIR means, and what else they check before sanctioning anything.
What Is FOIR, and Why Does It Decide Your Loan?
FOIR is the single ratio that caps how much Indian lenders will sanction. What counts towards it, what does not, and how to move it.
Short vs Long Loan Tenure: What It Really Costs
A longer tenure lowers the EMI and raises the total by far more than most people expect. The actual numbers, and when the longer term is still right.
Reviewed by Pradipta Ray, MBA (Finance) · Updated