Loan calculators
Free tools from Bikaner creative efitz to plan before you apply — EMI, eligibility, balance-transfer savings, prepayment, FOIR, tax benefit and more. Nothing is sent anywhere; the maths runs on your phone.
EMI CalculatorMonthly instalment, total interest and the full payment schedule for any loan amount, rate and tenure.Loan EligibilityHow much loan your income can support after existing EMIs — the way banks actually compute it.Balance Transfer SavingsWhat moving your existing loan to a lower rate saves over the remaining tenure, after transfer costs.Part-Prepayment ImpactHow a lump-sum payment cuts your tenure or your EMI, and the interest it saves.FOIR CheckYour fixed-obligation-to-income ratio — the number lenders look at before they look at anything else.Home Loan Tax BenefitSection 80C and 24(b) savings on principal and interest for the financial year.Credit Card EMIWhat a purchase converted to card EMI really costs with the card's rate and processing fee.What Your Credit Score MeansWhere your CIBIL score stands, what each band means for loan approval, and how to move up.