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.

Which inputs change the result the most?

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

Can I use the Flat vs Reducing Calculator before I apply for a loan?

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

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Flat vs Reducing Calculator

Flat vs Reducing Rate Calculator

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

Loan AmountRs 10,000.00 - Rs 10,00,00,000.00

Rs 10,000.00Rs 10,00,00,000.00

Type any custom value. The slider is optional.

Annual Interest Rate1% - 30%

1%30%

Type any custom value. The slider is optional.

Tenure (Years)1 - 30

130

Type any custom value. The slider is optional.

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

Chart

Repayment curve

Illustrative balance reduction using a sample EMI scenario.

Loan trend

Sample chart only. The live calculator below updates with your own loan inputs.

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FAQ

Questions about this calculator

The chart shows a representative sample so users can understand the trend at a glance before adjusting the live inputs. The live calculator below the chart is the source of truth for the current page.

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