1. Acceptance of Terms
By accessing or using LoanRateCal.in ("LoanRateCal", "the site", "we", "us"), you agree to be bound by these Terms of Use. If you do not agree, please do not use this site. We reserve the right to update these terms at any time. The date of the most recent revision is shown at the top of this page.
2. Description of Service
LoanRateCal.in provides free online financial calculators including EMI calculators for home loans, personal loans, car loans, education loans and business loans, as well as SIP calculators, FD calculators, PPF calculators, loan eligibility tools and prepayment calculators. The site also displays indicative interest rate information for major Indian banks, auto-calculated based on the RBI repo rate.
All calculators operate entirely within your web browser. No financial data you enter is transmitted to or stored on our servers.
3. Financial Information Disclaimer
All information on LoanRateCal.in is provided for general informational and educational purposes only. Specifically:
- EMI calculations are indicative estimates based on the inputs you provide. Actual EMIs may differ due to processing fees, insurance requirements, rounding conventions and other bank-specific factors
- Interest rates displayed are indicative and auto-calculated based on publicly available bank EBLR spreads and the current RBI repo rate. Actual rates offered by banks depend on your CIBIL score, income, loan amount, employment type and other eligibility factors
- SIP and investment calculations are purely illustrative, based on assumed return rates. Mutual fund investments are subject to market risks. Past performance does not guarantee future results
- FD and PPF rates are indicative. Actual rates are subject to change by banks and government without notice
- Loan eligibility estimates are based on general FOIR norms and may differ significantly from what your bank actually approves
LoanRateCal.in is not responsible for any financial decisions made based on information or calculations from this site.
4. Permitted Use
- Personal financial planning and education
- Comparing loan options before approaching a bank
- Research and analysis for personal or professional purposes
- Sharing calculator results for non-commercial educational purposes
5. Prohibited Use
- Using this site to provide paid financial advice to third parties without appropriate regulatory registration
- Reproducing or republishing interest rate tables or calculator outputs as if they are authoritative or guaranteed figures
- Automated scraping of rate data or calculator results for commercial redistribution
- Any use that violates applicable laws in India or your jurisdiction
- Misrepresenting LoanRateCal.in as an official source of bank interest rates or RBI data
6. Intellectual Property
The LoanRateCal.in website design, code and original written content are the intellectual property of LoanRateCal.in. Interest rate data is derived from publicly available bank and RBI publications. Bank names, logos and trademarks mentioned on this site belong to their respective owners. LoanRateCal.in is not affiliated with any bank or financial institution mentioned.
7. Third-Party Links
LoanRateCal.in contains links to bank websites and the RBI website to allow you to apply for loans or verify rates directly. These are provided as a convenience. LoanRateCal.in is not responsible for the content, accuracy or policies of any linked third-party website.
8. Advertising
LoanRateCal.in displays advertisements served by Google AdSense. These ads fund the operation of the free service. We do not control the content of advertisements served by Google. By using this site you acknowledge that advertisements will be displayed. Some bank links on this site may be affiliate or sponsored links — these are clearly labelled where applicable.
9. Disclaimer of Warranties
LoanRateCal.in is provided "as is" without warranty of any kind. We do not warrant that interest rate information is current, complete or accurate. We do not warrant that the site will be available at all times or free from errors. Your use of this site is entirely at your own risk.
10. Limitation of Liability
To the maximum extent permitted by applicable law, LoanRateCal.in and its operator shall not be liable for any direct, indirect, incidental, special or consequential damages arising from your use of or reliance on this site, including but not limited to financial losses arising from decisions made based on calculator outputs or rate information displayed on this site.
11. Privacy
Your use of LoanRateCal.in is also governed by our Privacy Policy, incorporated into these Terms by reference.
12. Governing Law
These Terms of Use are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of India.
13. Contact
- Email: hello@loanratecal.in
- Website: loanratecal.in