Honest tools and independent guides to help you borrow smarter, plan your EMIs, and build long-term financial security.
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Loan Eligibility Calculator
Find out how much you can borrow and which lenders match your profile.
FOIR applied
40–50%
Lenders compared
11
Avg processing fee
1–3%
Rate range
10.5–24%
Every personal loan comes with processing fees, insurance add-ons, and 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 before signing
Six calculators built by lending professionals. No signup, no data collection, instant results.
Enter your salary and existing EMIs to see how much you can borrow, which of 11 lenders match your profile, and what interest rate to expect.
Check my eligibility →Calculate your monthly EMI across any loan amount, rate, and tenure. Shows the true APR including processing fees — not just the advertised rate.
Calculate my EMI →Model a 30-year dual-income retirement plan with PF, SIP, life events, and inflation. Find your retirement year and required corpus.
Plan my retirement →Compare 8 mid-premium credit cards from HDFC, Axis, SBI, and ICICI across rewards, lounge access, forex markup, and annual fees.
Compare cards →Enter your monthly spend across 7 categories — dining, travel, online, fuel, and more — and see exactly which mid-premium card pays you the most in rupees, including milestone bonuses and lounge value.
Calculate my rewards →Make a lump sum payment on your personal loan today — see exactly how much interest you save and how many months you cut off the tenure. Compares “reduce EMI” vs “reduce tenure” so you pick the right option for your situation.
Calculate my savings →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 score of 749 costs the same as 720.
Bank SMS offers are generated by marketing systems, not credit systems. The actual approval — and the actual rate — comes from 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 compare across our 11 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 — so you can make decisions that outlast any loan tenure.
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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