RinRate – Loans in India

Most loan ads in India quote a small "flat" monthly rate. The real cost is
usually much higher. RinRate converts those numbers into an effective annual
rate (APR) you can actually compare — before you share your phone number
anywhere.

WHAT YOU CAN DO
• Compare real rates — see the advertised flat or nominal rate next to the
effective APR, processing fees included.
• Check your eligibility — FOIR, income multiple and credit-band checks run
on your own device, with plain reasons if a lender does not fit.
• Compare up to 3 offers side by side — EMI, total interest, disbursal time.
• Read the full amortization — every month, principal vs interest, balance.
• Try what-if — add an extra monthly payment and watch interest and tenure
shrink.
• Make it yours — set a profile avatar from your photos or camera; the image
stays on your phone only.
• Save comparisons on your phone, revisit or delete them any time.

HOW THE NUMBERS WORK
EMI is calculated with the standard reducing-balance formula lenders use.
Effective APR folds in processing fees. Everything is an estimate to inform
your question to a lender — terms, fees and rates change.

YOUR PRIVACY
Inputs, saved comparisons, history and your avatar image stay in local app
storage and are not uploaded. You sign in with a mobile number and code. We
use only an internet permission plus the advertising ID for install
measurement. No contacts, no camera permission, no location, no SMS access.
Delete one comparison or all data any time in Account.

RinRate is an independent comparison tool. It is not a lender, broker or
NBFC and does not sanction loans.

Built for India: ₹ lakh grouping (₹1,25,000), +91 numbers, English and हिन्दी.

Recent changes:
Set your profile picture with a photo or camera.