What your home loan actually did.
A clear view of the one before you buy.
What the RBI's rate changes did to your loan — how many years were added, what you still owe, and what it costs in total. Checked against the RBI's own record. A dated report you keep.
The guide to the decisions the diagnosis raises — when not to prepay, balance transfers, what your statement hides. Worked on your own figures.
Your bank changes your rate on its own dates, not the day the RBI announces. We tell you the week yours changes, and keep a dated record your bank has never given you.
The EMI chart you're handed holds today's rate flat for twenty years. See the same loan if rates rise or fall, whether it still fits your income, and what a rise would add each month. A PDF you keep.
The guide for first-time buyers — what the bank's chart assumes, the questions to ask before signing, and how to turn the reserve into a prepayment habit. Worked on your plan.
Did your home loan quietly get longer?
A free check of your home loan, a plain-English guide, and alerts when your rate is about to change. Start with the free check — see how many years the RBI's rate changes added to your loan.
Your headline result is free with no account. The full report is free too — sign in with your email and it's saved in My Loans. We use your loan figures only to draw that report and keep it in your account. LoanRepo is independent of lenders.
The moment it could have been stopped
On that loan the rate first rose in {{ demoFixDate }}, from {{ demoFixFrom }}% to {{ demoFixTo }}%. That is when the extra years began accumulating — and it is the point at which a payment would have prevented them. LoanRepo computes that number for your loan, at every reset.
Built on the record, not on estimates
The diagnosis and the buyer's analysis are free. Always.
Three paid things sit beside them — two guides and tracking. None of them gates the free tools or their PDFs.
- Full tenure and balance diagnosis
- Every time your bank changed your rate
- Prepayment and payoff arithmetic
- The result as a PDF, for an email address
- Buying? The buyer's analysis, free, as a PDF too
- Emailed within 24h of each RBI decision, with what it does to your loan
- Reminded before your own reset, and again to log what the statement said
- A dated check-in record that reconciles the model against your bank
- Annual year in review
- Seventeen chapters, eight on ground this site doesn't touch
- Three bank emails, ready to send
- Worked on your own figures, not an invented borrower
- Two chapters free, with your numbers in them
- Thirteen chapters for first-time buyers
- What the bank's EMI chart assumes, and what it leaves out
- The questions to ask before you sign
- Worked on your own plan — amount, tenure and income
Which of these is you?
Find out what the cycle did to your tenure, and what your statement has not been telling you.
See where the cycle stands before you sign, and what EBLR against MCLR does over twenty years.
43 plain-language guides, a glossary and answers to common questions: how a rate decision reaches your EMI, your reset date, and what to check before you sign.
Read all guidesEvery assumption, the reset rules, the rate source, and what this model deliberately does not do.
Your EMI never moved. The rate did — from {{ startRate }}% at disbursal (worked out) to {{ nowRate }}% today — so the bank stretched the term instead. A {{ fTenure }}-year loan is now a ~{{ totalYears }}-year one, and no statement ever said so in those words.
{{ aheadLede }} You bought on the right side of the cycle.
{{ flatLede }} That is worth knowing rather than celebrating: the same mechanism adds years quickly when the cycle turns, and it does so without a letter.
{{ stGapLine }}
Your rate goes to {{ neutraliseRate }}% when your bank updates it in {{ neutraliseDate }}.
Your rate first rose in {{ hindsightDate }}, from {{ hindsightFrom }}% to {{ hindsightTo }}%. That is when the extra years started accumulating — and it is the point at which a payment would have prevented them.
Arithmetic, not advice. Change either figure and every row re-computes against your actual balance and rate. Chapter nine of the guide covers when prepaying is the wrong move.
| Route | Monthly outgo | Loan clears | Against today | Total still to pay |
|---|---|---|---|---|
| {{ rt.name }}{{ rt.note }} | {{ rt.outgo }} | {{ rt.clears }} | {{ rt.delta }} | {{ rt.total }} |
Each row is a real RBI rate change, shown on the date your bank applied it to your loan. Your EMI stays the same on every line.
| Date your bank changed it | Month | Rate change | Balance that month | Interest in that EMI |
|---|---|---|---|---|
| {{ row.date }} | {{ row.month }} | {{ row.from }}% → {{ row.to }}% {{ row.delta }} | {{ row.bal }} | {{ row.interest }} |
Five ways the same loan can end, and the arithmetic for each. Deliberately unranked: which of these is right depends on what else your money could do, your tax position and your job security — none of which we know, and none of which we'll guess at.
| Route | Monthly outgo | Loan clears | Years vs today | Total still to pay |
|---|---|---|---|---|
| {{ rt.name }}{{ rt.note }} | {{ rt.outgo }} | {{ rt.clears }} | {{ rt.delta }} | {{ rt.total }} |
Written to be read out on a call. Every answer is something they are required to have.
- {{ q.n }} {{ q.ask }}{{ q.why }}
Rate decisions are national; the date one reaches your loan is yours alone. This is the day to look at your statement — not the day the news breaks.
Your figures, already filled in. Every answer it asks for is something your bank is required to hold.
The loan above was advanced one month at a time from its disbursal month. At each reset date the rate was set to the Reserve Bank of India repo rate in force on that date plus the spread shown, with the EMI held constant — which is the default treatment on a floating-rate loan. Beyond the current month the repo rate is held at {{ nowRepo }}% rather than forecast. Rate history is drawn from published RBI Monetary Policy Committee decisions.
{{ confidence }} This document is descriptive and is not investment, tax or legal advice. Figures should be reconciled against your own statement and sanction letter. Prepared by LoanRepo · loanrepo.in · no lender affiliation.