Fixed Rate vs Floating Rate Home Loan
Understand the trade-offs between a stable monthly payment and the potential savings of market-linked interest rates.
Fixed Rate offers peace of mind
With a fixed rate, your EMI stays the same regardless of market fluctuations. This is great for strict budgeting but usually carries a higher starting interest rate.
Floating Rate can save you more over time
Floating rates change with the RBI repo rate or lender benchmarks. While they can go up, they often work out cheaper over a long 20-year tenure.
Open the tools
Home Loan EMI Calculator — Advanced home loan calculator with prepayment planning, amortization schedule, and comparison with investment returns. Calculate EMIs for 50 Lakhs, 75 Lakhs, and 1 Crore loans instantly with full transparency.
Refinance Calculator — Compare remaining cost on your current loan with a replacement offer including switching fees—and catch when a lower EMI still raises lifetime interest.