Disclaimer: Penal interest rates vary by bank (usually 2-3% per month overdue). CIBIL impact is estimated.

Missed EMI Impact

Calculate Penalty, GST, and Credit Score Risk

EMI Amount (₹)

Days Overdue

Bank Late Fee (₹) Check your loan document. Usually ₹500 - ₹1000.

Penal Interest (% p.m.) Additional interest charged on overdue amount.

₹ 0

Late Fee -

GST on Fee (18%) -

Penal Interest -

CIBIL Score Impact

Calculating...