How AtFinance sources and verifies its numbers

Where rates come from

Each bank’s rates are taken from the bank’s own published rate pages and recorded with the date of retrieval. A rate is never typed into a page by hand — pages are generated from the recorded data, so the rate you see, the calculator preset, and the comparison all come from the same dated source.

Freshness — and what “stale” means

Every rate page shows when its figures were verified. If a rate has not been re-verified for more than 45 days, the page itself displays a notice saying so — we would rather flag an old number than let it pass as current. This site was last built on 20 July 2026.

Per-bank sources

How the calculators work

Loan EMIs use the reducing-balance method — interest accrues only on the outstanding principal, which is how Indian banks actually charge. SIP projections use the annuity-due method (instalments invested at the start of each month), matching how major Indian fund platforms show projected returns. Income tax follows the current year’s slabs, standard deduction and Section 87A rebate, for both regimes. All amounts are shown in en-IN formatting with paise-level precision internally and sensible rounding on screen.

Limits

Rates are indicative — your final rate depends on your credit profile, and banks revise rates without notice. Nothing here is tax or investment advice; for a decision that needs a human, see the planner service.