https://www.kitnaemi.com/guides/EMI and loan guides for Indiahttps://www.kitnaemi.com/guides/repo-rate-hike-october-2026-emi-impact/https://www.kitnaemi.com/guides/repo-rate-hike-october-2026-emi-impact/Sat, 17 Oct 2026 00:00:00 GMTRBI raised the repo rate by 25 bps to 5.50% on 7 October 2026. See what a 0.25% rise does to your EMI and tenure, with worked numbers for common loan sizes.https://www.kitnaemi.com/guides/personal-loan-10-lakh-emi/https://www.kitnaemi.com/guides/personal-loan-10-lakh-emi/Sat, 17 Oct 2026 00:00:00 GMTEMI on a ₹10 lakh personal loan at 11%, 14% and 18%, over 3 and 5 years, with total interest and tips to pick the right tenure.https://www.kitnaemi.com/guides/how-to-reduce-home-loan-emi/https://www.kitnaemi.com/guides/how-to-reduce-home-loan-emi/Sat, 17 Oct 2026 00:00:00 GMTNine practical ways to lower your home loan EMI or total interest, from a bigger down payment to a balance transfer, with the rupee impact of each.https://www.kitnaemi.com/guides/how-to-prepay-home-loan-and-save-interest/https://www.kitnaemi.com/guides/how-to-prepay-home-loan-and-save-interest/Sat, 17 Oct 2026 00:00:00 GMTCompare monthly extra payments and lump-sum prepayments on a ₹50 lakh home loan, with the interest and years saved, and when to reduce EMI or tenure.https://www.kitnaemi.com/guides/how-much-home-loan-on-my-salary/https://www.kitnaemi.com/guides/how-much-home-loan-on-my-salary/Sat, 17 Oct 2026 00:00:00 GMTBanks cap total EMIs at 40 to 50% of take-home pay. See the home loan you can get at different salaries, with the formula lenders use and ways to raise it.https://www.kitnaemi.com/guides/how-emi-is-calculated/https://www.kitnaemi.com/guides/how-emi-is-calculated/Sat, 17 Oct 2026 00:00:00 GMTThe EMI formula explained with a worked example, a month-by-month split of interest and principal, and the Excel PMT formula you can copy.https://www.kitnaemi.com/guides/home-loan-balance-transfer-when-worth-it/https://www.kitnaemi.com/guides/home-loan-balance-transfer-when-worth-it/Sat, 17 Oct 2026 00:00:00 GMTA home loan balance transfer can save lakhs, but fees and tenure matter. Learn the break-even test and see savings for different rate gaps and remaining tenures.https://www.kitnaemi.com/guides/home-loan-20-vs-30-years/https://www.kitnaemi.com/guides/home-loan-20-vs-30-years/Sat, 17 Oct 2026 00:00:00 GMTCompare 15, 20, 25 and 30-year home loan tenures on EMI, total interest and income needed, with a practical rule for choosing the right one.https://www.kitnaemi.com/guides/flat-rate-vs-reducing-rate-emi/https://www.kitnaemi.com/guides/flat-rate-vs-reducing-rate-emi/Sat, 17 Oct 2026 00:00:00 GMTA flat interest rate costs far more than the same number on a reducing balance. See the conversion table and a worked example for car, bike and personal loans.https://www.kitnaemi.com/guides/education-loan-moratorium-explained/https://www.kitnaemi.com/guides/education-loan-moratorium-explained/Sat, 17 Oct 2026 00:00:00 GMTWhat the education loan moratorium is, how much interest builds up while you study, and how paying simple interest during the course lowers your EMI.https://www.kitnaemi.com/guides/credit-score-and-loan-interest-rate/https://www.kitnaemi.com/guides/credit-score-and-loan-interest-rate/Sat, 17 Oct 2026 00:00:00 GMTA higher credit score can cut your loan rate by 1% or more. See what each score band means, how much it changes your EMI, and how to raise your score before applying.https://www.kitnaemi.com/guides/credit-card-emi-vs-personal-loan/https://www.kitnaemi.com/guides/credit-card-emi-vs-personal-loan/Sat, 17 Oct 2026 00:00:00 GMTConverting a purchase to credit card EMI or taking a personal loan: compare the real cost, hidden fees and when each makes sense, with worked examples.