Banking · Loans
Loan Comparison
Compare bank and NBFC loans on EMI, fees, total cost, and eligibility notes. Side-by-side educational catalog — not an offer. Educational estimates, not a bank quote or financial advice.
Compare loans by interest, EMI, fees, and estimated total borrowing cost — not by advertised rate alone. Illustrative catalog; verify with lenders.
Catalog · 2026-08-01Choose loan type
Comparison fields adapt to the product category
Your comparison inputs
Optional income/score personalize fit labels only
3 loans found · Advertised starting rates are not guaranteed customer rates.
Comparison results
True cost = principal + interest + disclosed fees
| Compare | Lender / product | Starting rate* | Rate type | EMI | Total interest | Proc. fee | Total cost | Score | Fit |
|---|---|---|---|---|---|---|---|---|---|
SBI SBI Home Loan (illustrative band) Lowest Estimated Total CostLowest EMILowest Interest RateLowest Processing FeeHighest Loan AmountLongest TenureBest Prepayment Flexibility | 8.50% band to 9.65% | floating | ₹43,391.16 | ₹54,13,878.4 | ₹10,000 | ₹1,04,23,878.4 | 97/100 | May need eligibility check | |
LIC HFL LIC HFL Home Loan (illustrative) | 8.60% band to 9.8% | floating | ₹43,708.14 | ₹54,89,953.6 | ₹12,000 | ₹1,05,01,953.6 | 63/100 | May need eligibility check | |
HDFC HDFC Home Loan (illustrative band) Best Prepayment Flexibility | 8.70% band to 9.95% | floating | ₹44,026.15 | ₹55,66,276 | ₹15,000 | ₹1,05,81,276 | 37/100 | May need eligibility check |
*Advertised starting rate — actual rate may vary based on borrower profile and lender policy. Do not treat lowest rate as lowest total cost.
Tenure comparison
Longer tenure → lower EMI, often higher total interest
| Years | EMI | Total interest | Total repayment | Supported |
|---|---|---|---|---|
| 1 | ₹4,36,098.91 | ₹2,33,186.92 | ₹52,33,186.92 | Outside advertised tenure |
| 3 | ₹1,57,837.69 | ₹6,82,156.84 | ₹56,82,156.84 | Outside advertised tenure |
| 5 | ₹1,02,582.66 | ₹11,54,959.6 | ₹61,54,959.6 | Yes |
| 10 | ₹61,992.84 | ₹24,39,140.8 | ₹74,39,140.8 | Yes |
| 15 | ₹49,236.98 | ₹38,62,656.4 | ₹88,62,656.4 | Yes |
| 20 | ₹43,391.16 | ₹54,13,878.4 | ₹1,04,13,878.4 | Yes |
| 25 | ₹40,261.35 | ₹70,78,405 | ₹1,20,78,405 | Yes |
| 30 | ₹38,445.67 | ₹88,40,441.2 | ₹1,38,40,441.2 | Yes |
Based on SBI · starting rate band.
What if I prepay?
Illustrative — lender math may differ
Interest saved (est.)
₹40,641.92
Revised EMI / tenure
₹12,000 · 96 mo
Balance transfer
Only highlight net savings after transfer costs
Net potential savings
₹2,45,782
Break-even / recommend
10 mo · Savings exceed costs (est.)
How to compare loans · rate vs total cost · FAQ
Is lowest interest rate always the cheapest loan?
No. Processing fees and total interest over the tenure can make a slightly higher rate cheaper overall. Compare total borrowing cost.
What is the FinanceControl Loan Value Score?
A transparent 0–100 estimate from cost, EMI, starting rate, fees, prepayment flexibility, and disclosure — not a credit score and not sponsored.
Why “starting rate”?
Lenders advertise bands. Your actual rate depends on profile, property, LTV, and policy. Always verify the Key Fact Statement.
Is this an approval?
No. Eligibility labels are educational considerations based on advertised public criteria only.
Assumptions
Amount ₹50,00,000 · Tenure 20 yrs (240 mo) · Type Home Loan · Starting rates used for EMI unless noted · Fees only when disclosed · Score is a transparent FinanceControl estimate, not a credit score.
Loan rates, fees, eligibility criteria, and terms may change. Information shown is for comparison and educational purposes and should be verified with the lender before applying. Actual interest rates, eligibility, loan amounts, fees, and approval depend on the lender and the applicant's profile. FinanceControl.net does not guarantee loan approval. Advertised starting rates are not guaranteed offers.
Common questions
Do you include processing fees?
Yes, the comparison uses catalog fees and GST notes where listed. Your sanction letter may differ — always read the lender’s MITC.
Is this financial advice?
No. FinanceControl tools are educational. Figures are estimates, not a quote, offer, or recommendation. Confirm with the provider and a qualified professional.