Current EMI
₹34,713ADVANCED LOANS WITH MORE CLARITY
Floating-rate reset planner
Model a future interest-rate reset and compare an unchanged EMI with the payment required to keep the original loan tenure.
EMI to keep original tenure
₹37,198Tenure if EMI stays unchanged
24y 9mExtra interest · keep tenure
₹5,66,647Compared with no rate change; negative means interest savedFOLLOW THE NUMBERS
Your repayment path
The rate resets before interest in the chosen month. Compare a fixed EMI with an EMI recalculated to finish on the original date.
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Illustrative results only. Rates shown are user-selected assumptions, not product quotes or forecasts. Actual outcomes depend on markets, cash flows, costs and your circumstances.
BEHIND THE NUMBERS
How this calculation works
The reset applies before interest is charged in the selected month. Prior instalments use the current rate. Month 1 means the new rate applies immediately.
The keep-EMI path retains the original calculated payment. The keep-tenure path recalculates EMI on the remaining balance for the original remaining months. The new rate is held constant thereafter.
If the unchanged EMI does not cover interest, that path stops with a warning. It is not reported as a valid payoff date. Projection is bounded at 600 months.
A FEW USEFUL ANSWERS
Before you make a plan
With an unchanged EMI, higher interest leaves less of each payment to repay principal. The effect can be large when the loan balance and remaining tenure are high.
No. You choose the reset rate and date. Actual benchmark resets, spreads and lender terms can differ from this single-reset illustration.
Further reading from primary sources
RBI: Floating-rate EMI resets ↗TAKE THE NEXT STEP WITH A PERSON.
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