Your home loan isn't 8.5%.
It's probably 9.4%.
Banks advertise the base interest rate. They don't show you processing fees, mandatory insurance, prepayment lock-in, or switching costs. We do the math they won't.
Example: ₹50L home loan, 20 years
Loan truth calculator
Input your loan details. Get your honest rate back — with the exact extra cost over your loan tenure.
Loan guides
Home loan true cost: what banks hide from you
Processing fees, mandatory insurance bundling, prepayment penalties, and documentation charges — calculated into your real effective APR.
Personal loan: advertised 10.5%, actual 13.1%
Origination fees, late payment charges, and foreclosure penalties turn a cheap personal loan expensive.
Fixed vs floating rate: which actually saves more?
We ran the numbers across 10 years of RBI rate changes. The answer isn't what banks tell you.
SBI vs HDFC vs ICICI home loan — honest comparison 2026
Not just rates. Processing fees, insurance costs, prepayment terms, and effective APR compared side by side.
Prepayment penalty trap: why no lock-in does not mean free
Banks advertise zero prepayment penalty but charge 2-4% if you switch lenders. Here is how to spot the trap.
Education loan: real cost after moratorium interest
Interest piling during the moratorium period adds 15-25% to your total repayment. We break down the math.