True Loan Cost
Find what your loan really costs, including fees and charges.
ⓘ How this works
A loan's advertised interest rate is rarely the full story — banks also charge processing fees, taxes on those fees, insurance, and other charges that add to your real cost of borrowing. This calculator adds up all of these extra costs on top of the EMI (your monthly installment) so you can see the true total cost of the loan, not just the headline interest rate.
Your inputs
Loan amount
₹
Interest rate
%
Tenure
yrs
Processing fee
%
GST on fee
%
Insurance
₹
Other charges
₹
Your result
EMI
₹22,244
True interest rate13.98%
Total principal₹10L
Total interest₹3.3L
Total charges₹43,600
Total amount paid₹13.8L
Compare tenure
| Years | EMI | Interest |
|---|---|---|
| 1 yrs | ₹88,849 | ₹66,185 |
| 5 yrs | ₹22,244 | ₹3.3L |
| 10 yrs | ₹14,347 | ₹7.2L |
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