Save ₹12,000/mo on your EMIs
Optimize your debt, check CIBIL accurately, and plan your finances.
The same loan, very different prices
VerifiedAcross every lender we track, this is the range of published rates for each loan type — cheapest on the left, dearest on the right. The gap is what comparing is worth.
Today's Best Loan Rates
Lowest published rates from India's banks & NBFCs
Rates and charges are the lenders' own published figures, reproduced as written — open "All charges & terms" on any card to see the source. What you are finally offered depends on your CIBIL score, income and the lender's policy on the day you apply.
Application Tracker
Track your loan applications in real time
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Refer & Earn
Earn ₹500 per successful loan disbursal + ₹50 on signup
Quick EMI Calculator
Where rates stand today
VerifiedThe lowest rate any lender in our database currently publishes, per loan type. Secured loans sit lowest because the lender holds an asset; unsecured credit costs more.
A credit card revolving balance is the most expensive money most people carry. Moving it to a personal loan usually costs a fraction of that — we will work out your actual saving, free.
CIBIL Score
Run the CIBIL Analyzer to unlock your active accounts and credit history summary.
FOIR / Debt Burden
FOIR measures how much of your monthly income goes into paying fixed liabilities like rent & EMIs.
Consolidation Opportunity
Switch high-interest loans to lower ROI structures. Enter your loans in the calculator to view savings.
Why moneyed?
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Smart Debt Consolidation
Combine multiple expensive loans and credit card bills into one affordable, low-interest EMI.
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AI-Powered Lender Matching
Our engine instantly connects your profile with the exact approval criteria of India's top 45 Banks & NBFCs.
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100% Secure & Private
Bank-grade 256-bit encryption. Your data is strictly protected under the DPDP Act and never shared without your explicit consent.
EMI Calculator
Calculate monthly payments, total interest, and payout breakups.
Your Monthly EMI
Balance Transfer & Debt Structuring
Calculate how much you can save by moving high cost debts to a consolidated structure.
Total Interest Savings
By restructuring, your overall loan interest burden drops, yielding a net positive cash flow immediately.
FOIR (Fixed Obligation to Income Ratio)
Lenders check FOIR to decide your repayment capacity. Keeping it below 40% ensures high approval rates.
Total Monthly Obligations: ₹20,000
Your FOIR Score
Part-Payment Savings Calculator
See how making a lump sum part-payment reduces your total interest and loan tenure.
Total Interest Saved
Assume EMI remains the same. Part-payment directly reduces principal, shortening tenure.
Amortization Schedule
| Month | Opening Bal | EMI | Part Payment | Interest | Principal | Closing Bal |
|---|
Hybrid Dropline Overdraft
Calculate interest based only on withdrawn amount. Understand limit drop schedules.
Automatically synced to Total Approved Limit. Assume withdrawing this amount on Day 1.
Monthly Interest Payout (Month 1)
If your drawn amount exceeds the dropped limit at any point, you must deposit the difference immediately.
OD Usage Schedule
| Month | DropLine Limit | Limit Drop | Available Limit | Opening Principal | Withdrawal | Part Payment | Installment | Principal | Interest | Closing Principal |
|---|
Income Tax Calculator (FY 2025–26 | AY 2026–27)
A smarter alternative to the Govt. calculator. Compare Old vs New Tax Regime instantly.
Deductions (Only applicable in Old Regime)
Regime Comparison
Old Regime Tax
0
New Regime Tax
0
Includes 4% Health & Education Cess. Assumes individual below 60 years. Standard deduction of 75,000 applied (FY 2025–26). Tax rules last verified: July 2026.
CIBIL Report Analyzer
Upload your CIBIL PDF to instantly see your score, all active/closed accounts, payment history flags, and personalised improvement tips.
How to download your CIBIL PDF
- Go to cibil.com/freecibilscore and Login
- Download your Free Credit Report as a PDF
- Upload it securely below (We mask your PAN/Mobile automatically)
Drag & Drop CIBIL PDF Report
or click to select file from device
🔒 Secure DPDP ParsingThis PDF is password-protected
CIBIL locks most downloaded reports. Enter the password to continue — it is used only in your browser to unlock the file and is never sent anywhere.
Usually your date of birth as DDMMYYYY, or the 6-digit code CIBIL sent to your phone.
Wrong password — please try again.
No CIBIL Report Analyzed Yet
Upload your statement or submit the manual parameters to see active loans, risk analysis, and credit score improvement checklist.
Payment Reminders
Kabhi koi EMI ya card due miss na ho
Ye reminders sirf aapke is browser mein save hote hain. Hum inhe apne server par upload nahi karte, aur na hi koi email/SMS access karte hain.
Financial Tier: Apprentice
Keep Needs < 50% & Wants < 30% to level up!
50/30/20 Rule Breakdown
Smart Categorization
Active Subscriptions & EMIs 👀 Sample View
Netflix Premium
Due in 3 Days
SBI Home Loan EMI
Auto-debit on 5th
Recent Transactions
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Split a Bill
Each person owes
750
Loan Guru AI
By Moneyed Expert Team
Our Products
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* Rates lenders ke official disclosures se liye gaye hain — last verified 1 August 2026. Ye lowest advertised rates hain; aapka actual rate profile, credit score, income aur lender ki discretion par depend karta hai. Home Loan aur Personal Loan ke rates market benchmarks par based hain. Moneyed ek loan advisory service hai — hum loan disburse nahi karte. Insurance products abhi available nahi hain.
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