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Understand credit. Compare smarter.
Calculate before you borrow.

Credit cards, credit scores, loans and investing — explained with the benefits and the catches.

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How much could you borrow? Runs in your browser
₹50,000
₹10,000

20% of your income already goes to EMIs

Estimated loan you could support

₹6,44,655

At an assumed 50% FOIR limit you have room for a ₹15,000 monthly EMI. Over 5 years at 14%, that supports about ₹6.45 lakh.

Open the full FOIR calculator Educational estimate, not a lender decision.

What do you want to do?

Understand. Calculate. Compare. Decide.

  1. Understand

    How scores, cards and loans actually work, with the catches.

    Credit score and CIBIL Improve your credit score

  2. Calculate

    Run your own numbers before a lender does.

    Calculate my EMI Home loan eligibility Check my FOIR Card interest trap

  3. Compare

    Every fee, cap and reward condition, side by side.

    Compare credit cards Lifetime-free cards

  4. Decide

    Apply only when the numbers work. Approval always rests with the lender.

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Free tools

Do the maths before you apply

Built on standard formulas and RBI-published rules where they apply. No sign-up, no lead form; every calculation runs in your browser.

Interest on a ₹25 lakh home loan, 20 years at 8.5%

₹27,06,939

Principal ₹25,00,000Interest ₹27,06,939

More than the loan itself, on an EMI of ₹21,696 a month. Run your own numbers

Home Loan Eligibility

What you could borrow, from income and property value.

Check eligibility

EMI Calculator

Monthly instalment and total interest for any loan.

Calculate EMI

FOIR Calculator

Your income already committed, and your headroom.

Check your FOIR

Min. Due Calculator

What paying only the minimum really costs.

See the real cost

SIP Calculator

What a monthly mutual fund SIP could grow into.

See your SIP

Personal Loan EMI

Real EMI numbers for an unsecured loan.

Calculate EMI

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Start where you are

What do you need?

Monthly income EMIs today New EMI Everything else

Planning a loan?

Check what you can afford, then the exact EMI on it.

Check your FOIR Calculate your EMI
Total you repay Paid in full Minimum due only

Dealing with card debt?

See what paying only the minimum due is really costing you.

See the real cost Find where your money is leaking
One-time password • • • • • • Never share it, whoever is asking

Staying safe?

Know the warning signs before you share your money or personal details.

Spot a scam Learn what never to share
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Where do you want to go?

Credit Cards

Compare cards with every fee, cap and reward condition shown upfront.
Best cashback cards Lifetime-free cards

Home Loans

Check what you could borrow, then the exact EMI on it.
Home loan EMI calculator Loan prepayment calculator

Personal Loans

EMI, tenure and the real cost of an unsecured loan.
Foreclosure calculator Loans overview

Credit Score & CIBIL

India has four bureaus, not one — understand your report.
Check your credit score free Error on your credit report?

Investing & SIP

Deposits and SIPs explained plainly, with every assumption labelled.
SIP calculator FD calculator

Loan Rejected?

Decode the likely reasons a lender said no, and what to fix first.
FOIR calculator
Questions

Straight answers

Does checking my credit score reduce it?
No. Checking your own score is a soft enquiry and has no effect. Only applications you submit to a lender create hard enquiries, and those are what can affect your score.
Can you guarantee I will be approved?
No, and neither can anyone else. Approval decisions rest entirely with the bank or lender. We can tell you what a product requires and what it costs. We cannot tell you what a bank will decide.
Will you ask for my PAN or Aadhaar?
Not for browsing or comparing. If a future product genuinely requires identity information, we will explain exactly why before asking, and you will be able to decline.

How does CreditBharosa make money and rank products?

Start with what you actually spend on

No forms, no phone number, no sign-up wall. We are not a bank, lender or credit bureau — approval decisions always rest with the financial institution. Affiliate disclosure.

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