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Fixed vs Floating
No single rate type is best for everyone — compare how each behaves under different rate-change scenarios.
| Scenario | Revised EMI | Total interest |
|---|---|---|
| Rate -1% | ₹40,280/mo | ₹46.67 L |
| No change | ₹43,391/mo | ₹54.14 L |
| Rate +1% | ₹46,607/mo | ₹61.85 L |
| Rate +2% | ₹49,919/mo | ₹69.81 L |
Fixed, floating and hybrid rates each suit different situations. No single option is presented as best for everyone — review the scenarios below against your own risk tolerance and tenure.
All calculations, rates, eligibility values and savings estimates are indicative. Final interest rate, fees, eligibility, sanction and disbursement remain subject to the lender's policies, verification and approval.
Demo data. Lender names, logos and rates shown here are fictional and for illustration only — they are not current offers from any real bank, HFC or NBFC.
Demo data — illustrative only
Rate-Reset Impact
If you already hold a floating-rate loan, see how the next reset changes your EMI or tenure.
Rate-reset impact
Indicative calculation- Revised EMI
- ₹45,642/mo
- Revised tenure
- 15 yr
A rate reset changes either your EMI or your remaining tenure depending on your stated preference. This is a projection based on the inputs you provided, not a notice from any specific lender.
All calculations, rates, eligibility values and savings estimates are indicative. Final interest rate, fees, eligibility, sanction and disbursement remain subject to the lender's policies, verification and approval.
Demo data. Lender names, logos and rates shown here are fictional and for illustration only — they are not current offers from any real bank, HFC or NBFC.
Demo data — illustrative only