Rate change calculator

When the RBI changes the repo rate, banks change rates on repo-linked loans. See how a rate change affects your loan: a higher (or lower) EMI, or a longer (or shorter) loan.

₹
years
months
% a year
% points
Banks usually pass a repo change fully to repo-linked loans. 0.25% = 25 basis points.
I know my outstanding balance
₹
Use this if your rate has changed before or you’ve prepaid. We’ll use it instead of our estimate.

Estimates only, not financial advice. Assumes a standard reducing-balance loan with monthly EMIs and that the full rate change applies from your next EMI. Your bank’s reset date, spread and rounding may differ slightly; check your loan statement or ask your bank.