Instant Loan Projections 2026
LIC Loan & EMI Calculators
Estimate home loan EMI, check eligibility criteria, project late penalty charges, or calculate maximum loan values against your active LIC policy surrender values instantly.
LIC Home Loan & HFL Calculators
Assess eligibility, estimate monthly instalments, compare schemes, and project savings for LIC Housing Finance.
Home Loan EMI Calculator
Calculate your home loan EMI, total interest payable, and full repayment schedule to plan your home purchase accurately.
EMI CalculationInterest BreakdownAmortization Table
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Home Loan Eligibility Check
Assess your loan eligibility amount based on income, existing monthly EMI liabilities, age, and preferred tenure.
FOIR CalculationsSalary EligibilityMaximum Loan Cap
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Home Loan Prepayment Calculator
Evaluate your tenure and interest savings by scheduling lump-sum or extra monthly prepayments on your home loan.
Tenure ReductionInterest SavingsLump-Sum Modeler
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HFL EMI Calculator
Simulate home loan EMIs tailored to specific LIC HFL schemes like Griha Suvidha, Varishtha, Sajja, and Shakti.
Scheme PresetsProcessing FeesAmortization Ledger
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HFL Interest Sensitivity Calculator
Model the impact of floating rate hikes on your total tenure, identifying how to avoid the 5-year tenure trap.
Rate Hike ModelerTenure Trap AlertMitigation Tips
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Property Joint Eligibility Calculator
Calculate maximum borrowing limits by combining primary and co-applicant incomes under a unified FOIR limit.
Combined SalariesJoint FOIR LimitLTV Evaluation
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Plot Loan Calculator
Analyze plot acquisition loans, maximum LTV limits, and monitor construction timeline alerts.
Land Purchase LTVConstruction AlertsCIBIL Rate Slabs
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Mortgage Loan Calculator
Calculate Loan Against Property (LAP) limits based on commercial or residential property valuations.
LAP Margin CapSalary EligibilityAnnual Ledger
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Mortgage EMI & Insurance Calculator
Model mortgage EMIs with capitalized mortgage insurance premium options factored into the total loan size.
Capitalized InsuranceEMI ComparisonAmortization splits
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LIC Policy & Collateral Loan Calculators
Calculate loan values, monthly EMI schedules, and interest rates for loans secured by policies, bonds, or securities.
Policy Loan Limit Estimator
Estimate the maximum loan limit available against your active LIC policy based on its accumulated surrender value.
Surrender Value Check90% Max Loan CapCollateral Check
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Policy Loan EMI Calculator
Calculate monthly interest repayments or principal payment breakdowns for loans secured by LIC policy collateral.
Monthly EMI SplitsInterest ScheduleRepayment Adjustments
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Loan Interest Calculator
Calculate the simple or compounding interest accrued over time on outstanding loans secured by LIC policy values.
Accrued InterestSimple vs CompoundingPayment Forecasts
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Personal Loan Calculator
Model unsecured personal loan repayments, CIBIL grade interest rate alignments, and FOIR eligibility criteria.
Unsecured LoansCIBIL Risk MappingsSalary Underwriting
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Loan Against Policy Calculator
Check eligibility requirements, policy payment tenure, and 90% LTV limits for policy loans.
Surrender Equity90% LTV LimitHalf-Yearly Compound
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Loan Interest Comparison Calculator
Compare total interest costs across monthly reducing balance, flat rates, and half-yearly compounded policy rates.
Reducing vs FlatCompounding IntervalsEffective APR
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Loan Value (Collateral) Calculator
Evaluate borrowing limits across multiple assets like gold bonds, mutual funds, and properties side-by-side.
Multi-Asset LTVMargin Call WarningsPledge Lien Rules
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Loan Against Bonds Calculator
Calculate eligible limits and interest schedules for borrowing against SGBs, G-Secs, and LIC bonds.
75% SGB LTVInterest-Only repaymentReducing EMI model
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Repayment Utilities
Calculate grace period waivers, delayed payment days, and penalties on premiums or EMI instalments.