Overdraft Calculator
Use your savings smartly to cut down on interest payments
Loan Amount
₹50,00,000
₹1,00,000₹10,00,00,000
Interest Rate
%8.5
6%20%
Tenure
Yrs15
1 Yr30 Yrs
Current Surplus
₹7,00,000
₹10,000₹50,00,000
Pro Tip
Adding higher surplus can lower your effective interest rate.
Your Effective Interest Rate* 5.65%
ROI saved: 2.85 %Value saved: ₹14,38,614
*This is the actual interest rate you are being charged on your loan
| Loan | Without Surplus | With Surplus | Difference |
|---|---|---|---|
| Tenure | 15 yrs | 11 yrs 5 months | 3 yrs 7 months Total saved |
| EMI | ₹49,237 | ₹49,237 | No Change |
| Interest Amount | ₹38,62,656 | ₹24,24,042 | ₹14,38,614 Total saved |
Get maximum benefits of your surplus savings
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