Disclaimer

General disclaimer

The information provided on Kaithi Finance is for general informational and educational purposes only. While we strive to keep the information accurate and up to date, we make no warranties or representations of any kind regarding the completeness, reliability, or accuracy of the information.

Kaithi Finance is not a bank, financial institution, or NBFC. We do not provide loans directly. We act as a guidance and support platform to help users understand loan options and connect with third-party loan processing partners.

All loan approvals, interest rates, eligibility, and terms are determined solely by the respective banks or financial institutions. Kaithi Finance does not influence or guarantee any loan approval.

The EMI calculations, eligibility estimates, and other tools available on this website are indicative and meant for general understanding only. Actual loan terms may vary based on lender policies and individual profiles.

By using this website and submitting your details, you acknowledge that you are doing so voluntarily. You also agree that Kaithi Finance may connect you with relevant third-party partners to assist with your loan process.

Kaithi Finance shall not be held responsible for any financial decisions made by users based on the information provided on this website. Users are advised to verify all details independently before making any financial commitments.

On the interest rates shown

Privacy and security

No financial data is sent to any server. There is no server. Your income, loan amounts and every number you enter on a calculator are calculated entirely on your own device.
Just browsing the site does not collect anything about you, this site does not run its own analytics or tracking cookies.
If you choose to reach out through the enquiry form or WhatsApp, we collect only what you share (typically your name, phone number, city and loan requirement) to understand your needs and, where relevant, connect you with a loan processing partner. See our full Privacy Policy for details.
Anything you save stays on your own device and can be deleted from the Saved page.
This site may show advertisements supplied by Google AdSense. Google and its partners may use cookies and similar technologies to serve ads based on your visits to this and other sites, and may collect data for that purpose. Your loan calculations are unaffected by this, those still run entirely on your own device and are never transmitted. You can review Google's practices at policies.google.com/technologies/ads and manage ad personalisation at adssettings.google.com.

Educational explanation vs current regulatory requirement

Verify current RBI guidance

Calculation methodology

Reducing balance EMI: EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the principal, r is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of monthly payments. Where the rate is zero, EMI = P ÷ n.
Flat rate: Total interest = P × annual rate × years. Total repayment = P + total interest. EMI = total repayment ÷ n.
Amortisation: Interest each month is charged on the opening balance. The final instalment is adjusted so the closing balance is exactly zero, absorbing accumulated rounding.
Eligibility and affordability: Assessable income × assumed EMI-to-income ratio, less existing EMIs, converted into a loan amount by inverting the EMI formula. All assumptions are shown on screen and adjustable.
Rounding: Calculations are performed at full precision; only the display is rounded. Your lender's figures may differ by small amounts because of day-count conventions, disbursement dates and its own rounding rules.

Full legal pages

This page summarises the essentials. For the complete text, see our Privacy Policy and Terms & Conditions.