Weighing a loan against your other goals?
See how this EMI fits with your investments and protection before you commit.
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About this calculator
Paying a lump sum towards your loan — or a little extra each month — cuts interest. Compare keeping the EMI (shorter loan) with lowering the EMI.
How is this calculated?
The loan is re-run month by month after the prepayment. “Reduce tenure” keeps the EMI and counts how many months remain; “reduce EMI” recalculates the EMI for the original remaining tenure. Interest saved = interest before − interest after.
Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.