Prefill: 6.5% expected inflation — the long-run (~30-year) India CPI average, per RBI / World Bank series, rounded.

True cost of a loan

A loan’s headline rate overstates its real cost, because you repay it with money that is worth less every year. This app discounts every rupee of interest back to today and shows what borrowing really costs in today’s money.

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Loan amount (₹) × ₹1 to ₹100 crore Interest rate — % per year

9

Tenure — years

10

Expected inflation — % per year

6.5

Future repayments are worth less as prices rise. 6.5% is the 30-yr India average.

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