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Personal Loan Comparison Sheet with True APR (Excel) – Excel template preview
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Personal Loan Comparison Sheet with True APR (Excel)

Compare personal loan offers on what they really cost: EMI, total interest, processing fees with GST, insurance and the true yearly rate (APR), with the cheapest offer picked for you.

₹99₹249Save ₹150 (60%)
Inclusive of all taxes · One-time payment · Instant download
1 offer for you
LAUNCH20 20% off · save ₹20
Instant downloadOn screen + email
Secure paymentUPI · Cards · Net Banking
7-day helpFix or refund if faulty
Perfect for
Anyone comparing personal loan offersSalaried people with pre-approved offersFamilies planning a big expense
What you get2 × .xlsx (blank + sample)
Works withMicrosoft Excel · Google Sheets · WPS Office
DeliveryInstant download
LicencePersonal & own-business use

Frequently bought together

Personal Loan Comparison Sheet with True APR (Excel) – Excel template previewThis item: Personal Loan Comparison Sheet with True APR (Excel)₹99Car Loan vs Cash Purchase Calculator (Excel) – Excel template previewCar Loan vs Cash Purchase Calculator (Excel)₹99Loan EMI Calculator & Debt Payoff Planner – Excel template previewLoan EMI Calculator & Debt Payoff Planner₹149
All three: ₹312₹347Extra 10% off
Made for India
GST coveredIncludes GST, as used in India.
Amounts in ₹Money columns are already set to rupees.
Priced in rupeesPay in ₹. Download right after payment.

Lenders compete on the headline rate, then add processing fees, GST and insurance. A loan at 10.99% with a 2% fee and bundled insurance can cost more than one at 11.5% with no fee. This sheet shows the true cost side by side.

What it does

  • Up to 8 offers: amount, rate, months, processing fee %, insurance or other charges and foreclosure charge
  • EMI, total interest, fees with GST and total cost for each
  • APR: the real yearly rate after fees, so offers are compared fairly
  • Rank with the cheapest in green, and APR above 16% in red
  • Compare sheet with the cheapest lender, its cost and the saving over the costliest offer

Before you borrow

A personal loan is expensive money. Use it for real needs, keep the EMI affordable and avoid apps that aren't linked to an RBI-regulated lender.

What's inside

Everything you get

01

Offers sheet

8 offers with EMI, fees, cost and APR

02

Compare sheet

Cheapest offer and saving

03

Chart

Total cost by lender

04

Blank + sample

Sample with four offers

Files in your download

  • XLSXPersonal_Loan_Comparison_Sheet.xlsx13 KB
  • XLSXPersonal_Loan_Comparison_Sheet_SAMPLE.xlsx13 KB
How to use

Start in 5 simple steps

A step-by-step guide is also included inside your download.

  1. 1

    Get written offers

    Rate, fee and charges

  2. 2

    Type each offer

    One line per lender

  3. 3

    Compare APR

    Not the headline rate

  4. 4

    Remove extras

    Ask to drop optional insurance

  5. 5

    Check the KFS

    Before signing

FAQ

Questions about this product

What is APR?

The yearly rate after counting fees. It's what the loan really costs you each year.

Why is GST added to the processing fee?

Processing fees attract 18% GST, which lenders add on top. The sheet includes it.

Should I care about foreclosure charges?

Yes, if you might close the loan early with a bonus. Some lenders charge 2 to 5% of the outstanding amount.

Is it safe to borrow from loan apps?

Only from apps linked to an RBI-regulated bank or NBFC. Check the lender's name in the loan agreement and the KFS.

Does it work for business or education loans?

Yes, for any loan with an EMI. Type the offer details the same way.

How do I get the files after payment?

A download button appears on screen right after payment, and the link is emailed to you. You can also download again any time from My account.

Can I use it on my phone?

Yes. It works with Microsoft Excel, Google Sheets, WPS Office. Free mobile apps are enough.

What if something does not work?

Write to us within 7 days with your order number. We will fix it, send a working file, or refund you.

Our promiseEvery file is tested before launch. If something doesn't work, we fix it or refund you within 7 days. Refund policy
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₹99₹249