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CREDSUTRA

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India's Retail Lending Intelligence

Home Loans · Repo-LinkedVerification date not recorded

Loan catalogue examples

Explore catalogue loan products, compare planning estimates and read lender-linked reviews. Rates, eligibility and conditions need checking with each lender.

Explore Home LoansCalculate EMI

No verification date is recorded for this catalogue. These are planning examples, not confirmed current offers. Check lender sources and product limits before deciding.

Direct Loan Discovery & Calculators

Explore smart borrower profiling and deep-linked amortization models

Smart Profile Discovery/choose/loans
Side-by-Side Matrix/compare/loans
Home Loan EMI/tools/home-loan-emi
Car Loan EMI/tools/car-loan-emi
Personal Loan EMI/tools/personal-loan-emi

Retail Lending Verticals

Select a dedicated vertical to view full lender rankings, benchmark spreads, and borrower guides

Secured Housing

Home Loans

Explore catalogue loan products, compare planning estimates and read lender-linked reviews. Rates, eligibility and conditions need checking with each lender.

Catalogue starting rate7.15%p.a. onwards
Maximum term30 years(8 products)
Explore Category Rates & GuideSmart Profile Discovery
Auto Finance

Car / Auto Loans

Explore catalogue loan products, compare planning estimates and read lender-linked reviews. Rates, eligibility and conditions need checking with each lender.

Catalogue starting rate8.65%p.a. onwards
Maximum term7 years(5 products)
Explore Category Rates & GuideSmart Profile Discovery
Bikes & EVs

Two-Wheeler Loans

Explore catalogue loan products, compare planning estimates and read lender-linked reviews. Rates, eligibility and conditions need checking with each lender.

Catalogue starting rate11.99%p.a. onwards
Maximum term5 years(4 products)
Explore Category Rates & GuideSmart Profile Discovery
Unsecured Credit

Personal Loans

Explore catalogue loan products, compare planning estimates and read lender-linked reviews. Rates, eligibility and conditions need checking with each lender.

Catalogue starting rate10.49%p.a. onwards
Maximum term8 years(5 products)
Explore Category Rates & GuideSmart Profile Discovery
Higher Studies

Education Loans

Explore catalogue loan products, compare planning estimates and read lender-linked reviews. Rates, eligibility and conditions need checking with each lender.

Catalogue starting rate10.15%p.a. onwards
Maximum term15 years(3 products)
Explore Category Rates & GuideSmart Profile Discovery
Point-of-Sale

Consumer Durable Loans

Explore catalogue loan products, compare planning estimates and read lender-linked reviews. Rates, eligibility and conditions need checking with each lender.

Catalogue starting rate13.00%p.a. onwards
Maximum term3 years(2 products)
Explore Category Rates & GuideSmart Profile Discovery
RBI Regulatory Framework

Core Tenets of Indian Retail Lending

0% Prepayment on Floating Loans

Under RBI Master Directions, individual retail borrowers paying floating interest rates on home, auto, and personal credit lines are legally protected against any foreclosure or prepayment penalty.

Mandatory External Benchmarks

Commercial banks must price retail credit off external benchmarks like the RBI Repo Rate (EBLR). Spread adjustments are strictly governed and cannot be arbitrary during the loan tenure.

True Lifetime Cost Accounting

CredSutra factors in Day-1 upfront cash outlays, including processing charges, 18% GST, and valuation fees alongside lifetime compounding interest for 100% objective cost discovery.

Sources and data status

No verification date is recorded for this catalogue. These are planning examples, not confirmed current offers. Check lender sources and product limits before deciding.

Official Sources & Citations
Sources