Three honest tools to help you borrow smarter, plan your EMIs, and calculate your path to financial freedom.
Loan Eligibility Calculator
Find out how much you can borrow — and at what rate
Max loan amount
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EMI capacity
—
Tenure
36 months
Rate range
—
FOIR applied
50% / 40%
Lenders compared
11
Avg processing fee
1–3%
Rate range
10.5–24%
Every personal loan comes with processing fees, insurance add-ons, and hidden charges that can add 2–4% to your effective cost. The advertised rate is always the floor. Always ask for the Key Fact Statement before signing.
What to check in your KFS →12%
Average advertised rate
15.8%
Average true APR
2–4%
Typical hidden cost gap
KFS
Always request this before signing
Plan your monthly payments or figure out when you can retire. Free, instant, no signup.
Monthly EMI
₹16,607
FIRE corpus needed (25× annual expenses)
—
Assumes 12% annual return, 6% inflation.
Explore our comprehensive Family Retirement Calculator →Your rate does not change smoothly with your CIBIL score. Lenders use score bands — 700, 720, 750 — and everyone in a band gets the same rate. A 749 score costs the same as a 720 score.
Bank SMS offers are generated by marketing systems, not credit systems. The actual approval — and the actual rate — depends on a separate underwriting check that the SMS never discloses.
Lenders price your risk lower when they can see your cash flows directly. Always check your salary bank's pre-approved offer before comparing aggregator rates.
Our tools give you the numbers. These next steps get the money moving.
You have checked your eligibility. Now apply with one of our 11 compared lenders — no hidden charges, no sales pressure. True APR shown upfront.
Mid-premium cards from HDFC, Axis, SBI, and ICICI compared honestly. Lounge access, reward rates, forex markup, and milestone benefits in one place.
KharchaUdhar earns a referral fee if you apply through our links — this never affects our editorial rankings or rate comparisons. Read our independence policy →
We explain not just what to do, but why.
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Read →“The APR explainer saved me from taking a loan I thought was 12.5% — the true cost was 16.2% after processing fees. No other site broke it down like this.”
Software engineer, Bengaluru
“I used the FIRE calculator to figure out I need Rs.3.2 Cr to retire at 52. Now I know exactly how much my SIP needs to be. The dual-income inputs are unlike anything else I found.”
Dual-income household, Pune
“Compared 4 lenders in 10 minutes and ended up with a rate 2.3% lower than what my bank initially offered. The FOIR explanation alone was worth the visit.”
Marketing manager, Delhi