Zaito: understand a loan before you decide.
Loan calculators, Key Facts Statement checks and lender information for India.
What you can do here
Work out the EMI and the APR of an offer, recompute the APR in your Key Facts Statement, check whether the money for the next instalment will be there, and see what a lender publishes and who actually lends behind an app. Every calculation shows its formula.
The tools run in your browser. You do not need to enter your PAN, Aadhaar or phone number, or upload any document.
Open the toolsWho runs Zaito
Zaito is a private information project. The owner of the project is responsible for the content, the choice of material and the correction of mistakes. Pages are published under the name “Zaito editorial team”. Sources, calculations and corrections are described in the methodology.
Questions about the content and reports of mistakes go through the contact page.
How Zaito earns money
Some links to lenders and loan platforms are affiliate links. They are marked Ad, and Zaito earns a commission if you get a loan through them. The commission does not change the terms the lender offers you, and a lender cannot pay to change what we write about its costs.
Where the information comes from
Lender terms come from the lender’s own website, documents and Key Facts Statement. The registration of an NBFC is checked on the RBI website. Rules come from RBI directions and circulars.
A source next to a statement lets you check it yourself. Registration with RBI does not confirm the cost of your offer: the APR, fees and schedule are in your own KFS.
How we check informationWhere our help ends
Zaito does not lend, does not take loan applications and has no access to your loan account. Approval, disbursal, payments and changes to the loan are matters for the lender.
Our pages help you prepare questions and check documents. A decision about a specific loan depends on its terms and your circumstances, which the site does not know.
Zaito in other countries
Zaito works in several countries, each with its own guide to local lenders, laws and regulator, in the local language: Russia — zaito.ru, Kazakhstan — zaito.kz.