Loans,
borrowed on your terms.
Explore personal, retail, property, vehicle, education, business, MSME and government-backed loan options — and understand the cost before you borrow.
- Personal & Retail
- Property & Secured
- Business & MSME
- Government-backed
Live EMI Calculator
Estimate your monthly EMI, total interest and total repayment.
Standard reducing-balance EMI calculation.
- Principal Amount
- ₹25,00,000
- Total Interest
- ₹26,86,160
- Total Payable
- ₹51,86,160
Indicative result only. Actual EMI may differ due to processing fees, insurance, prepaid interest or lender-specific rounding.
Loan Directory
Find the right loan for your need
Explore personal, retail, property, business, MSME and government-backed loan options.
Personal & Retail Loans
Loans for everyday personal needs
Personal Loan
Flexible funding for planned personal expenses, emergencies and major life needs.
Explore Personal LoanHome Loan
Financing for buying, constructing or improving your residential property.
Explore Home LoanCar Loan
Finance a new or used car with a structured repayment plan.
Explore Car LoanTwo-Wheeler Loan
Financing for motorcycles, scooters and eligible two-wheelers.
Explore Two-Wheeler LoanEducation Loan
Funding for higher education in India and eligible overseas institutions.
Explore Education LoanGold Loan
Short- to medium-term borrowing backed by eligible gold jewellery.
Explore Gold LoanConsumer Durable Loan
Financing for eligible electronics, appliances and consumer products.
Explore Consumer LoanProperty & Secured Loans
Loans backed by property and financial assets
Mortgage Loan
Property-backed borrowing for eligible personal, business or financial requirements.
Explore Mortgage LoanLoan Against Securities
Access liquidity against eligible financial securities without immediately selling them.
Explore Loan Against SecuritiesConstruction Loan
Financing for construction of an eligible residential property.
Explore Construction LoanPlot Loan
Financing for purchase of an eligible residential plot, subject to lender conditions.
Explore Plot LoanBusiness & MSME Loans
Finance for entrepreneurs and businesses
MSME Loan
Financing solutions for micro, small and medium enterprises.
Explore MSME LoanBusiness Loan
Flexible funding for business expansion, operations and planned requirements.
Explore Business LoanWorking Capital Loan
Funding to manage inventory, receivables, operating expenses and cash-flow cycles.
Explore Working CapitalBusiness Term Loan
Structured medium- or long-term finance for eligible business investments.
Explore Business Term LoanMachinery & Equipment Loan
Finance eligible machinery, equipment and productivity-enhancing assets.
Explore Machinery LoanCash Credit
Revolving working-capital facility for eligible business cash-flow requirements.
Explore Cash CreditOverdraft
Flexible access to funds up to an approved borrowing limit.
Explore OverdraftGovernment & Priority Sector
Government-backed and targeted credit
Government Loans
Explore major government-backed credit and financing programmes.
Explore Government LoansMudra Loan
Credit support for eligible micro enterprises and small business activities.
Explore Mudra LoanPMEGP Loan
Credit-linked support for eligible micro-enterprise projects.
Explore PMEGPStand-Up India Loan
Institutional credit support for eligible entrepreneurial ventures.
Explore Stand-Up IndiaKisan Credit Card
Credit facility for eligible agricultural and allied activities.
Explore Kisan Credit CardPM SVANidhi
Targeted working-capital support for eligible street vendors.
Explore PM SVANidhiNot sure which one?
Compare loan options before you borrow.
Compare rate, EMI, tenure and total repayment.
A simple borrowing framework
Four principles to consider before taking on new debt.
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01
Borrow for assets, not lifestyle
Loans work best for planned needs and productive assets rather than ongoing consumption.
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02
Keep total EMIs manageable
Consider all existing and proposed EMIs against your monthly income.
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03
Compare total cost
Look beyond the advertised rate and consider fees, tenure and prepayment conditions.
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04
Protect your credit profile
Pay EMIs on time, avoid unnecessary borrowing and maintain an adequate emergency reserve.
Borrow with awareness, not pressure.
A loan is a financial commitment that can run for years. Capnomic helps you understand the trade-offs before you make a borrowing decision.
Try the EMI Calculator-
EMI-first thinking
Understand the monthly commitment before choosing the loan term.
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Compare total cost
Compare rate, fees, tenure and total repayment.
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Prepayment awareness
Understand how prepayment can affect interest and loan tenure.
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Indian context
Loan concepts explained for Indian borrowers in simple language.
Before You Borrow
Run the EMI before you commit.
Understand your monthly commitment and total borrowing cost before choosing a loan.