Fixed vs Floating Rate Calculator
Compare total cost under different rate scenarios. Know which type suits your tenure before you sign.
Fixed vs Floating Rate
Compare total cost under different rate scenarios over your loan tenure.
Loan Amount
₹
Loan Tenure
years
Fixed Rate
Locked for entire tenure
% p.a.
Floating Rate (current)
Linked to repo rate / MCLR — can change
% p.a.
Rate Change Scenario
How much do you expect rates to move?
%
RBI repo rate linkage
Since Oct 2019, all new floating rate home loans must be linked to an external benchmark (repo rate). When RBI cuts rates, your EMI or tenure reduces automatically — but rises too when rates go up.
Enter loan amount to see EMI comparisons.