Resources & tools
Know your numbers before you apply.
Free, instant tools — and every one of them leads straight to an advisor when you're ready.
Step 1 of 3
EMI calculator
Calculate your EMI
See your monthly EMI, total interest and total amount payable — then talk to us about beating the rate.
Start from
Your monthly EMI
₹43,391
for 240 months
- Principal
- ₹50,00,000
- Total interest
- ₹54,13,879
- Total amount payable
- ₹1,04,13,879
Principal vs interest paid, year by year
Want to explore your loan options?
Talk to AapKaLoan — we'll compare lenders to beat this rate where possible.
Indicative calculation on a reducing-balance basis. Actual EMI depends on the lender's rate, fees and your profile.
Do you know your CIBIL score?
It's the first thing every lender checks. Know where you stand before you apply — and what it means for the rate and amount you can get.
Checking your own score does not lower it. We will never ask for OTPs, PINs or passwords.
720
Good
Most banks and NBFCs will consider you. Choosing the right lender can still save you meaningfully on interest.
Issues with your CIBIL report?
A single wrong entry can cost you an approval. Tell us what looks off and chat with an advisor right away — no forms, no waiting.
- 1
Share your report
Send us your latest credit report on WhatsApp.
- 2
We find the errors
An advisor reviews every account and enquiry.
- 3
Dispute is raised
Through the bureau's and lender's official process.
- 4
We follow through
Until the correction reflects on your report.
How rectification works
FAQ
Good to know
What is a good CIBIL score?
Scores range from 300 to 900. Most lenders view 750 and above as strong; 650–749 is generally acceptable, and below 650 approvals become harder and costlier.
Does checking my own score reduce it?
No. Checking your own report is a soft enquiry and doesn't affect your score. Hard enquiries happen when a lender pulls your report for an application — many in a short period can lower it, which is why applying to the right lender first matters.
How is EMI calculated?
EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), where P is the loan amount, r the monthly interest rate and n the number of monthly instalments. Our calculator does this for you.
What's the difference between secured and unsecured loans?
Secured loans are backed by an asset such as property, so they usually offer larger amounts and lower rates. Unsecured loans rely on your income and credit history — faster, but typically at higher rates.
How long does CIBIL rectification take?
It depends on the bureau and the lender that reported the data. Once a dispute is raised through the official process, the lender must verify and correct the record. We follow up until it reflects on your report.