Home Loan Resource Centre
Guides, glossary terms, and tools — everything you need to understand and manage your home loan.
Fixed vs Floating Rate Home Loan
Which interest rate type saves you more money over 20 years? A data-driven comparison with real numbers.
Read →How Much to Prepay on Your Home Loan
The optimal prepayment strategy based on your loan amount, rate, and surplus income.
Read →Reduce EMI vs Reduce Tenure — Which Wins?
After a prepayment, should you reduce your monthly EMI or shorten your loan tenure? The answer with exact numbers.
Read →When to Do a Home Loan Balance Transfer
How to calculate if a balance transfer actually saves you money after accounting for all fees.
Read →EMI — Equated Monthly Instalment
The fixed monthly payment you make to repay a loan, comprising both principal and interest components.
Read →MCLR — Marginal Cost of Funds Based Lending Rate
The minimum interest rate below which banks cannot lend, calculated based on the marginal cost of funds.
Read →EBLR — External Benchmark Lending Rate
A lending rate linked to an external benchmark such as the RBI repo rate, introduced in 2019.
Read →Amortization
The process of spreading loan repayments over time, with each payment covering interest and reducing principal.
Read →Moratorium
A period at the start of a loan during which no or reduced repayments are required.
Read →CLP — Construction Linked Plan
A home loan disbursed in stages tied to construction milestones of an under-construction property.
Read →Pre-EMI
The interest-only payment made during the moratorium/pre-disbursement period before full EMIs begin.
Read →Balance Transfer
Moving an outstanding home loan from one lender to another offering a lower interest rate.
Read →Home Loan EMI Calculator
Calculate your exact monthly EMI with full amortization schedule, prepayment simulation, and CSV export.
Read →Home Loan Prepayment Calculator
Simulate lump-sum and recurring prepayments. See exact interest saved and revised loan end date.
Read →All Calculator Features
CLP tranche modelling, moratorium simulation, Pre-EMI calculation, and more — features no bank website offers.
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