Karzova guides

EMI and prepayment calculator, offers compared with fees and effective rate, and a plain plan to close your home, car or personal loan years early.

• Home loan prepayment: reduce EMI or tenure? (with real numbers)

  Worked examples on a ₹50 lakh loan: what ₹5,000 or ₹10,000 extra a month, one extra EMI a year, or a ₹2 lakh lump sum saves - and why keeping the EMI wins.

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• Prepay your home loan or invest? A clear way to decide

  Compare your loan's real cost with realistic, risk-adjusted returns; the role of tax regime, emergency funds and goals; and a split plan that works for most people.

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• Bank increased your home loan tenure after a rate hike? Your RBI rights at reset

  Why floating-rate loans got longer, RBI's reset framework (choice of EMI or tenure, switch to fixed), how to check your spread, and how to bring the tenure back down.

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