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Optimize your debt, check CIBIL accurately, and plan your finances.
Today's Best Loan Rates
India's top banks & NBFCs — Updated July 2026
*Rates are indicative. Final rates depend on CIBIL score, income & lender's discretion.
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
📊 Live Market Rates
Updated · Jul 2026Average interest rates across 15+ partner banks. Lower = better for you.
If you have a credit card balance, a personal loan at 10.5% can save you 31.5% annually. Our experts can help you switch — 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 15+ 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
Manual CIBIL Score Estimator. Enter your basic credit history details manually to get an instant estimate of your credit score and health.
CIBIL PDF Kaise Nikaalein?
- 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 ParsingNo CIBIL Report Analyzed Yet
Upload your statement or submit the manual parameters to see active loans, risk analysis, and credit score improvement checklist.
Financial Tier: Apprentice
Keep Needs < 50% & Wants < 30% to level up!
50/30/20 Rule Breakdown
Smart Categorization
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Loan Guru AI
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