Loan Intelligence

Loan Comparison Calculator — Find the Cheaper Offer

Compare EMI and total interest across multiple lender offers side by side, and see exactly how much a lower rate saves you over the loan tenure.

Compare My Loan Offers
Compare two or more loan offers on amount, rate, and tenure at once
See exact EMI and total interest for each offer
Instant recommendation on which lender saves you more
Includes Indian bank rate-negotiation benchmarks

How it's calculated

1
Enter each lender's terms
Input the loan amount, interest rate, and tenure quoted by each bank or NBFC.
2
We calculate EMI and total interest for each
Using the standard reducing-balance EMI formula, applied identically across all offers for a fair comparison.
3
See the savings gap
Fiiuno highlights which lender costs less in total interest and by how much, in rupees.
4
Get a negotiation benchmark
We show typical rate-negotiation room Indian banks offer based on credit score, so you know what to ask for.

Benchmarks we use

0.25–0.50%
Typical bank negotiation buffer
Room most Indian banks have to lower home loan rates for borrowers with a CIBIL score above 750.
₹3.5L+
Interest saved, 9% → 8.5% on ₹50L/20yr
Example of how a small rate reduction compounds into large savings over a long tenure.

Frequently Asked Questions

How many loans can I compare at once?
You can compare two or more offers side by side using the same amount and tenure basis, so the comparison is apples-to-apples.
Does this include processing fees?
The core comparison is based on EMI and interest cost. Processing fees, insurance bundling, and other charges vary by lender and should be added separately for a full cost picture.
Can I negotiate my home loan rate?
Yes. Indian banks often have a 0.25-0.50% negotiation buffer, especially for borrowers with a CIBIL score above 750 or existing salary account relationships. Always ask before accepting the first quote.
Is a lower EMI always the better loan?
Not necessarily — a longer tenure can lower EMI but increase total interest paid. Fiiuno compares total interest cost, not just the monthly EMI, so you see the true cost.

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