What does the Flat vs Reducing Calculator calculate?

The Flat vs Reducing Calculator estimates the monthly repayment, total interest, and total amount payable for the selected loan or rate scenario.

How does the Flat vs Reducing Calculator arrive at the estimate?

It uses the standard loan math for the inputs shown on the page, so you can compare the impact of amount, rate, and tenure before you borrow.

Loan amount, tenure, and annual interest rate have the biggest impact. A larger down payment or prepayment can also reduce the total interest cost.

Yes. Use it as a planning estimate to compare lenders, test a shorter or longer tenure, and check whether the repayment fits your budget.

Compare a flat-rate loan against a reducing-balance loan on the same amount.

Use this flat vs reducing calculator when comparing two loan offers that quote rates differently.

It helps identify whether a flat-rate offer is actually costlier than a reducing-balance alternative.

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Compare a flat-rate loan against a reducing-balance loan on the same amount.

Loan Amount

₹10,000 – ₹10,00,00,000

Annual Interest Rate

1% – 30%

Tenure (Years)

1 – 30

Flat-rate loans often look smaller on paper but can be more expensive over the full tenure.

Use this flat vs reducing calculator when comparing two loan offers that quote rates differently.

It helps identify whether a flat-rate offer is actually costlier than a reducing-balance alternative.