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Loan Comparison Tool

Stop comparing rates. Compare the true cost of credit — including fees, moratorium structure, and prepayment penalty. The cheaper headline rate is often the more expensive loan.

Loan Amount (₹ Crore) — same for both

Loan A

Interest Rate (%)
Processing Fee (%)
Total Tenure (months)
Moratorium (months)
Prepayment Penalty (%)

Loan B

✓ Cheaper
Interest Rate (%)
Processing Fee (%)
Total Tenure (months)
Moratorium (months)
Prepayment Penalty (%)
MetricLoan ALoan B
Monthly interest (moratorium)₹9,58,333₹8,95,833
EMI after moratorium₹60,75,004₹46,49,185
Processing fee (upfront)₹10,00,000₹15,00,000
Prepayment penalty₹0₹20,00,000
Total interest payable₹3,23,50,072₹1,69,55,452
True cost of credit₹3,33,50,072₹2,04,55,452
Loan B saves ₹1,28,94,620 in total cost of credit.

What "true cost of credit" includes

  • Total interest: Interest during moratorium (interest-only phase) + interest during repayment.
  • Processing fee: Paid upfront at disbursement — a real outflow that headline rate comparisons ignore.
  • Prepayment penalty: If the project completes early and you want to exit the loan, this is the exit cost.
  • Not included: Monitoring fees, legal & stamp charges, and the cost of delayed tranches. These favour lenders with faster approval workflows.

Two term sheets on your desk?

We help you read what the numbers don't say — covenant flexibility, lender track record, and draw schedule design. That's where the real difference lives.

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