RBI Rate Change Calculator
See exactly how an RBI repo rate hike or cut changes your floating-rate loan: your EMI, total interest, and how long you will keep paying.
RBI changed rates. What happens to my loan?
Enter your loan once, then test any hike or cut to see your new EMI, interest, and tenure.
1. Your loan
Enter your current loan
Only floating-rate loans move with the RBI repo rate. A fixed-rate EMI stays the same.
Current EMI
₹26,035
8.50% for 20 yr
Total interest
₹32,48,327
108.3% of the loan
Balance today
₹30,00,000
Nothing paid yet
Tenure left
20 yr
240 EMIs to go
2. Rate change
What a +0.25% hike does
Loans linked to the repo rate usually pass a change through at the next reset date.
25 basis points. Your rate goes from 8.50% to 8.75%.
Your loan after the change
8.50% to 8.75% · balance ₹30,00,000
Option 1: Keep same tenure
+₹477 / mo
EMI ₹26,035 to ₹26,511 (+1.83%)
Option 2: Keep same EMI
+1 yr
Remaining 20 yr to 21 yr
Raising your EMI costs less overall
You pay ₹2,09,331 less interest with Option 1 (same tenure). Many banks extend the tenure by default after a hike, so ask yours if you can pay the higher EMI instead.
3. Rate sensitivity
Your EMI at every rate step
Every 0.25% move changes EMI by about ₹16 per ₹1 lakh
On your ₹30,00,000 loan at 8.50% for 20 yr, that is roughly ₹477 a month.
Change is per month with the same tenure. Interest is the change in total interest over the loan.