Loan & EMI Advisor
Compare loan offers, EMIs and prepayment - and save lakhs in interest
Compare home, car, personal or education loan offers including fees, see total interest, and get a prepayment plan to close the loan early.
Free to try. Passes from for 30 days.
Educational estimates, not financial or tax advice. Rules change - verify with a qualified adviser or the official portal.
Why people use Karzova
Banks advertise low rates but hide processing fees, insurance bundles and floating-rate resets. A small prepayment plan can save years of EMIs - most borrowers never calculate it.
- ✓ EMI and total interest for each offer
- ✓ True cost including fees
- ✓ Prepayment scenarios (tenure vs EMI reduction)
- ✓ Questions to negotiate with the bank
How it works
- 1Fill in a few details (or click 'Fill with an example').
- 2Click Generate - your result appears in seconds.
- 3Copy it, print it or save as PDF. Edit anything you like.
Unlimited Karzova
Free runs every day. A pass removes the daily limit.
Cards, Apple Pay, Google Pay · local taxes included at checkout · Secure checkout by Dodo Payments · Refund within 7 days if it doesn't work for you
Frequently asked questions
Is reducing tenure better than reducing EMI?
Reducing tenure usually saves much more interest; reducing EMI improves monthly cash flow. The tool shows both.