Real estate utility · Mortgage analytics

Home loan comparison sheet.

Compare 2 to 4 entered loan scenarios using EMI, quoted charges, monthly cash-flow APR and prepayment assumptions. This model does not establish lender eligibility, a binding quote or current tax applicability.

Illustrative preview · your entries determine results

01 Set your assumptions02 Review the details03 Keep the qualification with the result

Starting entries are illustrative examples. Replace them with your own records or dated quotations. They are not verified project, property, owner or legal facts.

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Real estate utility · Mortgage analytics

Home loan comparison sheet.

Illustrative preview · your entries determine results

01 Set your assumptions02 Review the details03 Keep the qualification with the result

Starting entries are illustrative examples. Replace them with your own records or dated quotations. They are not verified project, property, owner or legal facts.

Starting values are illustrative examples. Replace them with your own records or dated quotations and review every assumption before exporting. Entries and calculations are not independently verified project, lender or site facts.

Home Loan Multi-Offer Comparison Workbook

Compare home loan quotes side-by-side across EMI, upfront processing fees, GST, legal/MODT charges, effective all-in APR (IRR), and accelerated prepayment scenarios.

Show Accelerated Prepayment AnalysisDetailed Fee Breakdown (Legal, MODT, CERSAI)

Lowest Monthly EMI

₹52,069

Public Sector Bank (e.g. SBI / BoB)

Lowest Upfront Charges

₹13,400

Housing Finance Co (e.g. LIC HFL / Bajaj)

Best Effective APR (IRR)

8.58%

Public Sector Bank (e.g. SBI / BoB)

Lowest Lifetime Cost

₹1,25,30,435

Public Sector Bank (e.g. SBI / BoB)

Option 1

Lowest EMIBest All-in APR

Loan Amount (₹)₹60,00,000

Interest Rate (% p.a.)

Tenure (Years)

Rate Type

Processing Fee

+ 18% GST₹24,780

Prepayment Assumption

Monthly Extra (₹)

Annual Lump Sum (₹)

Monthly Base EMI:₹52,069

Total Upfront Fees:₹33,780

Total Interest Payable:₹64,96,655

Effective All-in APR:8.58%

Total Cost of Loan:₹1,25,30,435

Accelerated Prepayment Impact:

Tenure Saved:3.8 yrs (46 mo)

Interest Saved:₹14,57,304

Option 2

Loan Amount (₹)₹60,00,000

Interest Rate (% p.a.)

Tenure (Years)

Rate Type

Processing Fee

+ 18% GST₹11,800

Prepayment Assumption

Monthly Extra (₹)

Annual Lump Sum (₹)

Monthly Base EMI:₹52,640

Total Upfront Fees:₹24,800

Total Interest Payable:₹66,33,700

Effective All-in APR:8.71%

Total Cost of Loan:₹1,26,58,500

Accelerated Prepayment Impact:

Tenure Saved:3.8 yrs (46 mo)

Interest Saved:₹14,97,483

Option 3

Lowest Upfront Fees

Loan Amount (₹)₹60,00,000

Interest Rate (% p.a.)

Tenure (Years)

Rate Type

Processing Fee

+ 18% GST₹5,900

Prepayment Assumption

Monthly Extra (₹)

Annual Lump Sum (₹)

Monthly Base EMI:₹53,214

Total Upfront Fees:₹13,400

Total Interest Payable:₹67,71,412

Effective All-in APR:8.83%

Total Cost of Loan:₹1,27,84,812

Accelerated Prepayment Impact:

Tenure Saved:3.9 yrs (47 mo)

Interest Saved:₹15,38,307

Detailed Entered Loan Scenarios

Side-by-side reconciliation of loan parameters, borrowing costs, fee structures, and model assumptions.

Financial Parameter	Public Sector Bank (e.g. SBI / BoB)	Private Commercial Bank (e.g. HDFC / ICICI)	Housing Finance Co (e.g. LIC HFL / Bajaj)
Principal Loan Amount	₹60,00,000	₹60,00,000	₹60,00,000
Quoted Nominal Rate	8.5% p.a. (floating)	8.65% p.a. (floating)	8.8% p.a. (floating)
Tenure	20 Years (240 Months)	20 Years (240 Months)	20 Years (240 Months)
Monthly Base EMI	₹52,069	₹52,640	₹53,214
Total Interest Payable	₹64,96,655	₹66,33,700	₹67,71,412
Processing Fee + 18% GST	₹24,780	₹11,800	₹5,900
Other Upfront Charges (Legal, MODT, CERSAI)	₹9,000	₹13,000	₹7,500
Total Upfront Out-of-Pocket	₹33,780	₹24,800	₹13,400
Effective All-in APR (IRR)	8.58%	8.71%	8.83%
Total Lifetime Cost (Loan + Fees)	₹1,25,30,435	₹1,26,58,500	₹1,27,84,812

Home Loan Regulatory & Underwriting Guidelines

RBI Key Facts Statement (KFS) & APR

The RBI Key Facts Statement framework (RBI/2024-25/18, DOR.STR.REC.13/13.03.00/2024-25, 15 April 2024) requires covered lenders to disclose APR and the repayment schedule for retail and MSME term loans. This estimate annualizes monthly cash-flow IRR by multiplying by 12. It assumes one initial net disbursement, constant entered interest and equal month-end payments. It does not model future floating-rate resets, staged disbursements or broken-period interest. Review the lender's actual KFS and included charges before deciding. Read the RBI circular.

Confirm Prepayment Charges

The prepayment scenario models extra principal payments at the entered rate. It excludes prepayment fees and other transaction charges. Confirm the terms and applicability in the lender’s current KFS and sanction documents before relying on the displayed savings.

Floating-Rate Assumptions

A floating-rate offer can change with its stated benchmark, spread and reset schedule. This calculation holds the entered rate constant for comparison; it does not forecast future rates or automatically apply resets. Obtain the specific benchmark and reset terms from each lender.

Neutral Consumer Notice: This comparison workbook is an educational financial simulation tool based on user-entered values. Quoted interest rates, fee waivers, loan sanctions, and eligibility depend strictly upon individual credit scores (CIBIL/Equifax), income proof verification, legal search report clearance, and final lender underwriting sanction letters. This worksheet does not submit a loan application or establish a lender offer.

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Home Loan Multi-Offer Comparison Workbook

Compare home loan quotes side-by-side across EMI, upfront processing fees, GST, legal/MODT charges, effective all-in APR (IRR), and accelerated prepayment scenarios.

Show Accelerated Prepayment AnalysisDetailed Fee Breakdown (Legal, MODT, CERSAI)

Lowest Monthly EMI

₹52,069

Public Sector Bank (e.g. SBI / BoB)

Lowest Upfront Charges

₹13,400

Housing Finance Co (e.g. LIC HFL / Bajaj)

Best Effective APR (IRR)

8.58%

Public Sector Bank (e.g. SBI / BoB)

Lowest Lifetime Cost

₹1,25,30,435

Public Sector Bank (e.g. SBI / BoB)

Option 1

Lowest EMIBest All-in APR

Loan Amount (₹)₹60,00,000

Interest Rate (% p.a.)

Tenure (Years)

Rate Type

Processing Fee

+ 18% GST₹24,780

Prepayment Assumption

Monthly Extra (₹)

Annual Lump Sum (₹)

Monthly Base EMI:₹52,069

Total Upfront Fees:₹33,780

Total Interest Payable:₹64,96,655

Effective All-in APR:8.58%

Total Cost of Loan:₹1,25,30,435

Accelerated Prepayment Impact:

Tenure Saved:3.8 yrs (46 mo)

Interest Saved:₹14,57,304

Option 2

Loan Amount (₹)₹60,00,000

Interest Rate (% p.a.)

Tenure (Years)

Rate Type

Processing Fee

+ 18% GST₹11,800

Prepayment Assumption

Monthly Extra (₹)

Annual Lump Sum (₹)

Monthly Base EMI:₹52,640

Total Upfront Fees:₹24,800

Total Interest Payable:₹66,33,700

Effective All-in APR:8.71%

Total Cost of Loan:₹1,26,58,500

Accelerated Prepayment Impact:

Tenure Saved:3.8 yrs (46 mo)

Interest Saved:₹14,97,483

Option 3

Lowest Upfront Fees

Loan Amount (₹)₹60,00,000

Interest Rate (% p.a.)

Tenure (Years)

Rate Type

Processing Fee

+ 18% GST₹5,900

Prepayment Assumption

Monthly Extra (₹)

Annual Lump Sum (₹)

Monthly Base EMI:₹53,214

Total Upfront Fees:₹13,400

Total Interest Payable:₹67,71,412

Effective All-in APR:8.83%

Total Cost of Loan:₹1,27,84,812

Accelerated Prepayment Impact:

Tenure Saved:3.9 yrs (47 mo)

Interest Saved:₹15,38,307

Detailed Entered Loan Scenarios

Side-by-side reconciliation of loan parameters, borrowing costs, fee structures, and model assumptions.

Financial Parameter	Public Sector Bank (e.g. SBI / BoB)	Private Commercial Bank (e.g. HDFC / ICICI)	Housing Finance Co (e.g. LIC HFL / Bajaj)
Principal Loan Amount	₹60,00,000	₹60,00,000	₹60,00,000
Quoted Nominal Rate	8.5% p.a. (floating)	8.65% p.a. (floating)	8.8% p.a. (floating)
Tenure	20 Years (240 Months)	20 Years (240 Months)	20 Years (240 Months)
Monthly Base EMI	₹52,069	₹52,640	₹53,214
Total Interest Payable	₹64,96,655	₹66,33,700	₹67,71,412
Processing Fee + 18% GST	₹24,780	₹11,800	₹5,900
Other Upfront Charges (Legal, MODT, CERSAI)	₹9,000	₹13,000	₹7,500
Total Upfront Out-of-Pocket	₹33,780	₹24,800	₹13,400
Effective All-in APR (IRR)	8.58%	8.71%	8.83%
Total Lifetime Cost (Loan + Fees)	₹1,25,30,435	₹1,26,58,500	₹1,27,84,812