RupeePath

Financial Tools

Financial Tools

Smart calculators to plan your investments, loans, taxes, and credit health.

SIP Calculator

Estimate the future value of your Systematic Investment Plan.

SIP Projection
Invested Amount
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Est. Returns
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Total Value
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Wealth Gained
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* Based on constant monthly SIP with compounding. Actual returns may vary.

EMI Calculator

Find out your monthly EMI for any loan amount.

EMI Breakdown
Monthly EMI
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Total Interest
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Total Payment
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* Calculated using standard reducing balance method.

Loan Eligibility Calculator

Check your approximate maximum loan amount based on income and expenses.

Eligibility Estimate
Max Eligible Loan
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Max Allowable EMI
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FOIR Used
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* FOIR (Fixed Obligation to Income Ratio) assumed at 50%. Actual eligibility subject to bank policy & credit score.

Tax Calculator

Estimate your income tax under Old or New Tax Regime (FY 2024–25).

Tax Summary
Taxable Income
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Total Tax (incl. cess)
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Monthly Tax Outgo
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Effective Tax Rate
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* Includes 4% health & education cess. Standard deduction of ₹75,000 applied (New) / ₹50,000 (Old). Surcharge not included for income above ₹50L.

CIBIL Score Guide

Understand your credit score range and what it means for loan approvals.

Score Range What It Means Rating
300 – 549
Very high risk. Most lenders will reject the application. Indicates missed payments, defaults, or high utilisation.
Poor
550 – 649
Below average. Some NBFCs may lend but at higher interest rates and stricter terms.
Fair
650 – 749
Acceptable. Most banks will consider loans but may not offer the best rates.
Good
750 – 799
Very good. Eligible for competitive interest rates and higher loan amounts from most banks.
Very Good
800 – 900
Excellent credit health. Negotiating power for lowest rates, instant approvals, and premium credit cards.
Excellent

Check My Score Category

How to Improve Your Score

Pay on Time Never miss EMIs or credit card dues. Payment history is the biggest factor (35%) in your score.
Keep Utilisation Low Use less than 30% of your credit card limit to signal responsible credit use.
Avoid Multiple Enquiries Too many loan applications in a short period lower your score. Apply selectively.
Maintain Credit Mix A healthy mix of secured (home/auto loan) and unsecured (credit card) credit boosts the score.

* You can check your official CIBIL score for free once a year at cibil.com.