Apka Karj, Apka Hisaab. 💰
KarjBazaar is India's free, fast, and honest loan calculator platform — built for real people making real financial decisions.
Our Story
Every year, millions of Indians take home loans, personal loans, car loans, and education loans — often without fully understanding what their monthly EMI will look like, how much total interest they'll pay, or whether a shorter tenure actually saves them money.
We built KarjBazaar to fix that.
The idea was simple: give every Indian borrower — from a first-time home buyer in Pune to a small business owner in Surat — access to the same powerful financial tools that were previously locked behind bank counters or buried in complex spreadsheets. Free. Instant. No login required. No hidden agenda.
The name says it all. Karj (कर्ज) means loan or debt in Hindi. Bazaar means marketplace. KarjBazaar is your open marketplace of loan knowledge — where you walk in, calculate, understand, and walk out smarter.
What We Offer
KarjBazaar provides a growing suite of free financial calculators designed specifically for Indian borrowers and investors:
Home Loan EMI Calculator
Calculate your monthly home loan EMI, total interest payable, and full amortisation schedule.
Personal Loan Calculator
Instantly find your personal loan EMI based on loan amount, interest rate, and tenure.
Car Loan Calculator
Plan your car purchase confidently by knowing your exact monthly car loan payment.
SIP Calculator
Project your mutual fund SIP returns and see the power of compounding over time.
Mortgage Calculator
Understand your mortgage repayment structure including principal, interest, and outstanding balance.
More Calculators
FD, RD, GST, income tax, education loan, and more — continuously growing to serve you better.
Why KarjBazaar?
Instant Results
Results appear as you type. No waiting, no page reloads.
100% Private
Your numbers never leave your browser. We store nothing.
Always Free
No registration, no subscription, no hidden charges. Ever.
Made for India
Built for Indian interest rates, RBI guidelines, and Indian borrowers.
Mobile Friendly
Works perfectly on any device — phone, tablet, or desktop.
No Bias
We don't push any bank or lender. Pure math, honest results.
Our Mission
"To make financial clarity accessible to every Indian — so that no one signs a loan document without fully understanding what they're committing to."
Financial literacy in India has come a long way, but there is still a massive gap between the information banks have and what borrowers understand. We exist to close that gap — one calculation at a time.
We believe that an informed borrower is an empowered borrower. When you know your EMI before you walk into a bank, you negotiate better. When you understand how tenure affects your total interest, you choose smarter. That is what KarjBazaar is here for.
Our Commitment to You
- No selling your data. We are DPDPA 2023 compliant. Your privacy is non-negotiable.
- No fake results. Our calculators use standard reducing balance EMI formulas — the same ones used by Indian banks.
- No spam. We will never ask for your phone number or flood your inbox.
- No paywalls. Every calculator on KarjBazaar is and will always be free.
- Continuous improvement. We regularly update our tools to reflect current RBI rates and market conditions.
⚠️ Please Note: KarjBazaar is an independent information platform. We are not a bank, NBFC, or SEBI/RBI registered entity. All calculator results are estimates for informational purposes only and do not constitute financial advice. Please read our full Disclaimer before making any financial decisions.
Get in Touch
Have a suggestion, found a bug, or want to collaborate? We'd love to hear from you.