Microfinance
लघु-कर्जा क्याल्कुलेटर (फ्ल्याट बनाम घट्दो)
धेरै लघुवित्तले फ्ल्याट दर भन्छन् — किस्ता र वास्तविक प्रभावकारी (घट्दो) दर हेर्नुहोस्।
Monthly instalment
Rs 10,667
Total interest (flat)
Rs 56,000
Effective rate (declining)
24.92%
true APR — what you actually pay
Total payable
Rs 2,56,000
A flat rate looks low but the effective declining-balance rate is almost double, because you pay interest on the full amount throughout.
Figures are estimates for guidance only — confirm exact terms with the bank or insurer.