Loan Calculator & EMI Planner

Loan Calculator & EMI Planner provides loan calculation and planning tools, including EMI calculations, interest calculations, amortization schedules, prepayment calculations, loan comparisons, affordability estimates and related financial calculations.

The App is intended for informational and planning purposes only.

The App does not provide financial, investment, banking, lending, legal or tax advice.

The calculations and information provided by the App should not be considered professional financial advice.

You should consult a qualified financial professional before making significant financial decisions.

All results generated by the App are estimates.

Calculations may depend on assumptions regarding:

• Loan amount
• Interest rate
• Loan tenure
• EMI frequency
• Repayment method
• Prepayments
• Fees and charges
• Interest calculation method
• Other user-provided information

Actual calculations performed by a bank or lender may differ.

The App does not guarantee that its results will exactly match calculations provided by any particular lender.

Loan eligibility and affordability calculations are estimates only.

A result shown by the App does not mean that you qualify for a loan.

It does not constitute loan approval, a loan offer, a commitment to lend, or a guarantee that any bank or financial institution will provide financing.

Actual eligibility depends on factors determined by the relevant lender.

Interest rates, fees, taxes, processing charges, penalties and other loan conditions may vary between lenders and loan products.

The App does not guarantee that any displayed rate or assumption is currently offered by a bank or lender.

Users should verify current loan terms directly with the relevant financial institution.

Prepayment and interest-saving calculations are estimates.

Actual savings may differ because lenders may apply different rules regarding:

• Part-prepayments
• Prepayment charges
• EMI reduction
• Tenure reduction
• Interest calculation
• Payment dates
• Outstanding principal
• Loan restructuring

Always verify prepayment conditions with your lender before making a payment.

You are responsible for:

• Entering accurate information
• Reviewing calculation assumptions
• Verifying results
• Confirming loan terms with your lender
• Making your own financial decisions

We are not responsible for decisions made solely on the basis of calculations generated by the App.

The App does not provide loans.

We are not a bank, lender, financial institution, broker or government organization.

The App does not approve, process or disburse loans.

The App does not guarantee access to any financial product.

The App may display advertisements or use third-party services.

Third-party services may have their own terms, conditions and privacy policies.

We are not responsible for the content, availability, accuracy or policies of third-party services.

Any advertisement displayed within the App does not constitute an endorsement or guarantee of the advertised product or service.

The App, including its design, interface, graphics, branding, software, content and functionality, is protected by applicable intellectual property laws.

You may use the App for personal and lawful purposes.

You may not copy, reproduce, modify, distribute, reverse engineer, sell or commercially exploit the App or its components without appropriate authorization.

You agree not to:

• Use the App for unlawful purposes
• Attempt to interfere with the App's operation
• Reverse engineer or decompile the App where prohibited by law
• Attempt to gain unauthorized access to App systems
• Use the App to distribute malicious software
• Misuse or abuse the App's services

We aim to keep the App functional and accurate, but we do not guarantee that:

• The App will always be available
• Calculations will always be error-free
• Results will be suitable for every financial situation
• The App will be compatible with every device
• Third-party services will always be available

We may modify, update, suspend or discontinue features at any time.

To the maximum extent permitted by applicable law, we shall not be liable for any direct, indirect, incidental, special, consequential or financial loss resulting from:

• Use of the App
• Reliance on calculation results
• Incorrect user input
• Loan decisions
• Financial decisions
• Changes in lender policies
• Errors or differences in lender calculations
• Unavailability of the App
• Third-party services or advertisements

You use the App at your own discretion and risk.

We may release updates to improve functionality, security, calculations, compatibility or user experience.

Some updates may modify or remove existing features.

Your continued use of the App after an update means that you accept the applicable Terms.

You may stop using the App at any time by uninstalling it from your device.

We may restrict or terminate access to the App if we reasonably believe that the App is being misused or these Terms are being violated.

We may update these Terms from time to time.

The latest version will be made available through the App or associated website.

Your continued use of the App after changes are published constitutes acceptance of the updated Terms.

These Terms shall be governed by and interpreted according to the applicable laws of India.

Any disputes shall be subject to the jurisdiction of the appropriate courts in India.

For questions regarding these Terms, please contact: