The interest rate headline is just the beginning. We show you the full cost of every loan before you sign.
About
The InvestingPro Lending Desk produces all loan-related content on the platform. We compare home loan interest rates across banks and NBFCs, calculate real EMIs at different tenures, explain the MCLR vs RLLR difference, and walk through loan eligibility criteria. Our guides help readers understand the true cost of borrowing — including processing fees, prepayment penalties, and insurance add-ons that lenders bundle with loans.
A home loan is the largest financial commitment most Indians make — yet most people sign the papers without reading the fine print. Our lending desk was created to change that: plain-language explanations of every loan term, with full cost breakdowns.
Areas of Expertise
Methodology & Standards
- Interest rates sourced from RBI MCLR/RLLR disclosures
- EMI calculations verified with amortization schedules
- Processing fee data from bank PDS documents
Track Record
- 15+ loan comparison guides published
- EMI calculators validated for multiple loan types
- MCLR vs RLLR explainer updated quarterly
Recent articles from InvestingPro Lending Desk
The LTV ratio decides how much you borrow versus how much you pay upfront. Here is how RBI caps it for home loans, gold loans, and loans against shares in 2026.
A co-applicant is a joint borrower liable from day one; a guarantor only pays if you default. Here is exactly who carries what risk in an Indian loan.
DPD codes and SMA tags are the early-warning flags lenders place on your CIBIL report when payments slip. Here is how to read them and how to recover.
RBI bars prepayment penalties on floating-rate loans to individuals — but most personal loans are fixed-rate, where 2-5% + GST foreclosure fees still apply. Here's how to decide whether closing early is worth it.
Need ₹2–10 lakh without selling your investments? A loan against mutual funds (LAMF) charges ~9–12% and lets you stay invested, while a personal loan costs ~11–24% but needs no assets. Here is the full 2026 comparison — rates, limits, taxes and the margin-call risk.
Most loans against FD in India today are processed online — no application letter needed. But for branch-only banks or older NRI applicants, here's the standard application format + required attachments.
Home loan balance transfer = moving your remaining loan to a new bank at a lower interest rate. For a ₹50L loan with 15 years left, a 0.50% rate drop saves ₹4.8 lakh. Here's when it's worth it.
SBI offers loans up to 90% of FD value at FD-rate + 1.0% — same-day, no CIBIL check, FD continues earning interest. Complete YONO + INB process + interest math + 3 use-cases where this beats personal loans.