Loan Utility Portal

All‑in‑one loan eligibility, EMI and guarantee‑fee calculators with instant PDF reports and EMI charts — built for banks and informed borrowers worldwide.

Loan Utility Portal is a professional‑grade toolkit that brings together loan eligibility, EMI, guarantee‑fee and inspection report calculators in one modern app. Designed for banks, NBFCs, credit officers and informed borrowers, it delivers clear answers, fast — with shareable PDF reports and EMI charts.

Make Loan Discussions Simple

Whether you are evaluating a home loan, car loan, property loan, pension loan or cash loan, Loan Utility Portal helps you:

• Understand how much a customer may be eligible for
• See the exact EMI and amortization schedule
• Estimate margins, FOIR and LTV‑aligned limits
• Prepare professional reports for clients and internal files

What You Can Do

Retail Loan Calculators

• Home Loan:

  • Income, FOIR and LTV‑based eligibility
  • EMI and full amortization schedule
  • Project cost vs income‑based caps

• Car Loan:

  • New, used and combo scenarios
  • On‑road cost breakup and margin
  • Eligibility and EMI at a glance

• Property Loan:

  • Term loan and overdraft options
  • Realisable value and FOIR checks

• Pension & Cash Loans:

  • Pension multiples, age and repayment period
  • Employer category, salary account status and existing EMIs
  • Amount available for new EMIs

• Quick EMI Calculator:

  • Fast EMI, principal and interest breakup
  • Exportable EMI chart

Guarantee Fee & Scheme Calculators

• CGTMSE Fee Calculator – for micro and small enterprises
• CGFMU Fee Calculator – for micro units
• CGSSI Fee Calculator – for skill and scheme‑specific initiatives

All three provide a clear breakdown of base fee, GST, invoice to bank and total fee to customer, mirroring how branches and HO teams work.

Inspection & Reporting Helpers

• PSVR‑1 to PSVR‑5 inspection support
• Statement of Means (Annexure‑II) helper
• Capture details in structured form and generate clean, shareable PDF outputs for audits and records.

Interest & Utility Tools

• Simple & compound interest calculators
• Fixed deposit calculator
• Date and tenor calculator
• Area, length and weight / mass converters

Built for Professionals, Friendly for Everyone

• For banks & NBFCs:

  • Aligns with typical credit workflows
  • Reduces manual calculator use and spreadsheet errors

• For advisors & agents:

  • Quick scenario comparison with clear EMI charts
  • Professional PDF reports to share with clients

• For individual users:

  • Understand your affordability before you apply
  • Explore how changes in rate, tenure or amount impact your EMI

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