Independent Indian credit guidance

Borrow with the full picture.

Clear numbers, lender logic and practical tools for personal loans, credit cards and long-term money planning.

Calculate the full cost, not just the EMI

Loan amount (Rs.)Interest rate (%)Tenure (months)

Monthly EMI₹13,167

Total interest₹1,32,012

Total repayment₹6,32,012

Decision check

Understand eligibility, pricing and the real cost before applying.

Compare fees, rewards and borrowing costs on the same basis.

Connect today’s EMI decisions to debt freedom and retirement.

Published lender terms verified 8 September 2026. Final pricing depends on the borrower profile and Key Fact Statement.
Lender	Rate from	Rate to	Processing fee	Max term	Verified
HDFC Bank	9.99%	24%	Up to Rs.6,500 + GST	72 months	2026-09-08
SBI	10.05%	15.05%	Up to 1.50% + GST	72 months	2026-09-08
ICICI Bank	10.85%	16.65%	Up to 2% + GST	72 months	2026-09-08
Axis Bank	9.99%	22%	Up to 2% + GST	84 months	2026-09-08
Kotak Mahindra Bank	10.99%	Not published	Up to 5% + GST	72 months	2026-09-08
IndusInd Bank	10.49%	Not published	Up to 3% + GST	84 months	2026-09-08
Bajaj Finserv	10%	30.5%	Up to 4.13% incl. taxes	96 months	2026-09-08
Tata Capital	10.99%	29.99%	Up to 5% + GST	72 months	2026-09-08

Lowest total cost

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Debt decisions are never isolated. See how repayment, savings and retirement fit together.