Finance
Calculate Interest Rate from Payments
Find the interest rate on any loan when you know the payment, amount, and term. Reverse-calculate the APR.
In this article
Flat vs Reducing
ALWAYS ask "reducing balance" rate। Flat 10% ≈ reducing 18-20%! Banks must disclose reducing rate. Home loan 8.5% reducing = genuine 8.5%। Personal loan "10% flat" = actually ~18%। RBI mandates reducing balance disclosure।
Compare
Home: 8-9% (SBI, HDFC)। Car: 7-12%। Personal: 10-18%। Credit card: 36-42%!! (NEVER carry balance)। Gold loan: 7-12%。
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Frequently asked questions
Flat vs reducing?▾
Flat 10% = reducing ~18-20%! ALWAYS ask reducing rate。
Credit card interest?▾
36-42% per year! NEVER carry balance. Pay full every month。
✓ Math logic verified against primary sources
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