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Enter your details — get personalised bank recommendations, EMI calculations, and a loan strategy for your Pune property.
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AI-Powered Loan Analysis
Claude analyses your income, expenses, and CIBIL score to give you a personalised loan strategy — not generic advice.
What you'll see after clicking "Get AI Loan Advice"
Bank Recommendations
Specific banks that match your CIBIL tier — SBI, HDFC, ICICI, Kotak — with current rates, typical processing time, and which ones are more flexible for your profile.
Localities in Your Budget
Pune neighbourhoods where your buying power (loan + down payment) actually gets you a good flat — based on current market prices.
Actionable Tips
Concrete steps: how to raise your CIBIL score before applying, whether a co-applicant helps, and how to structure the loan for tax savings.
Risk Flags
Honest warnings if your income-to-expense ratio, CIBIL score, or requested loan amount could cause a rejection or a higher rate.
Indicative rates · Q1 2026 · ₹80L loan · 20yr tenure
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Rates indicative and change frequently. Apply directly to your bank for an exact offer.
See how a one-time lump-sum payment cuts your interest and tenure.
The total home loan you took or plan to take. Enter in Lakhs — e.g. 60 means ₹60 Lakh.
Your current annual interest rate from the bank. Check your loan sanction letter or bank statement.
Total loan repayment period. Most home loans are 15–30 years.
A one-time lump sum you pay directly to reduce the principal after 1 year of EMIs — e.g. a bonus, matured FD, or gift. Enter in Lakhs.
Your fixed monthly instalment — this stays the same; only the loan ends sooner.
Total extra you pay the bank over the full original tenure.
Total interest after making the one-time payment.
Real money saved — this goes back in your pocket.
How many years/months earlier you become debt-free.
Check if switching your loan to a lower rate is worth it after transfer costs.
How much of your loan is still left to repay — not the original amount. Check your latest bank statement.
The annual interest rate your current bank is charging you right now.
The rate offered by the new bank you want to switch to. Even 0.5–1% lower can save lakhs over time.
How many years are left on your current loan. You can find this on your amortisation schedule or bank app.
One-time cost to switch banks — includes processing fee, legal charges, and foreclosure penalty (if any). Typically ₹10,000–₹25,000.
What you pay to your bank every month right now.
Lower monthly payment if you switch to the new bank's rate.
Immediate monthly cash saving after switching.
Total interest difference over the remaining tenure, before deducting switching costs.
One-time fee to close your current loan and open a new one with another bank.
What you actually keep after paying the transfer costs. Positive = switch is worth it.
✓ Worth transferring — you save even after costs.
See your eligible loan and exactly what is holding it back.
Your gross monthly take-home (or net salary). For self-employed, use average monthly profit over the last year.
Total of all EMIs you already pay — car loan, personal loan, credit card, etc. Banks subtract this from your repayment capacity.
Banks cap the loan tenure so it ends before age 60. Older applicants get shorter tenures, which reduces the eligible loan amount.
Expected home loan rate. Depends on your CIBIL score — 750+ gets ~8.5%, below 700 gets 9.5% or higher.
The loan amount you need from the bank. The calculator checks whether your income and age support this.
Fixed Obligation to Income Ratio — the share of your income banks will allow for all EMIs combined. Higher income = slightly higher FOIR.
The maximum monthly instalment you can take on, after your existing EMIs are deducted from the FOIR limit.
Banks require the loan to be fully repaid by retirement age (60). Your age determines the maximum tenure.
The maximum loan amount a bank will approve based on your income, EMIs, age, and rate.
The loan amount you entered above.
Limiting Factor
✓ You qualify for the full amount you want.
As of 2025-2026, home loan interest rates range from 8.25% to 9.5% depending on the bank, loan amount, and borrower profile. SBI, HDFC, ICICI, and Kotak offer competitive rates. Rates are typically lower for women borrowers and salaried professionals.
With a net monthly salary of ₹1L and no existing EMIs, you can typically get a home loan of ₹50–60L for a 20-year tenure. The exact amount depends on your CIBIL score, existing obligations, and the bank's policies.
Key documents: Identity proof (Aadhaar, PAN), Address proof, Income proof (salary slips 3-6 months, Form 16, ITR 2-3 years), Bank statements 6-12 months, Property documents, Employment proof. Self-employed also need business proof and CA-certified financials.
Most banks offer up to 30 years. However the loan must be repaid before retirement age (60-65). A longer tenure means lower EMI but higher total interest paid.