Calculators for builders, businesses and home buyers
Each calculator does the working the way a bank, RBI, MahaRERA or the Sub-Registrar does it, shows every step, and cites the rule it follows. They are free, need no sign-up and run entirely in your browser, and you can copy a link to send a filled-in calculation to your CA or banker.
For builders and developers
Size construction finance, plan RERA withdrawals, test redevelopment, price TDR/FSI premiums, compare inventory funding and size CAR insurance.
How much construction finance does my project need?
A month-by-month cash-flow model with MahaRERA stage-linked collections and the 70% account, giving the peak funding gap, loan size, interest and repayment month.
RERA 70% account withdrawal (Form 3)
The amount a promoter can withdraw from the MahaRERA separate account on the Form 3 method, the account-balance check and the 70% / 100% deposit test.
Society redevelopment feasibility
Rehab and sale area from your FSI, members' additional area, rent and corpus, construction and premiums, developer profit, break-even sale rate and a ±10% sensitivity.
Contractor's All Risk (CAR) sum insured & claim
Section 1 Material Damage sum insured, Section 2 TPL cover, 18% GST and the pro-rata Average Clause deduction if a construction site is under-insured.
Builder inventory funding vs price discount
Compare the reducing-balance interest cost of a 60%–70% LTV OC-ready inventory loan against the permanent profit lost to an 8%–12% distress price cut.
TDR, premium FSI & fungible cost (Maharashtra)
Total buildable area from Basic FSI, Paid Premium FSI, TDR and Ancillary/Fungible FSI under UDCPR / DCPR 2034, plus ASR-linked municipal premiums.
For businesses, contractors and MSMEs
Term loans, MPBF & drawing power limits, CGTMSE guarantee fees, equipment lease vs loan NPV, TReDS discounting, bank guarantees and MSME interest.
Project DSCR & repayment schedule
Year-wise, average and minimum DSCR for a term loan, with moratorium, EMI or equal principal instalments, and a downloadable schedule.
Drawing power & working capital limit
Cash credit drawing power from a stock and book-debt statement, plus limit assessment by the turnover method and MPBF (Tandon Method II).
MPBF working capital (Nayak & Tandon II)
Size your Cash Credit limit from CMA data: Nayak Committee 20% of projected turnover (up to ₹5 crore) and Tandon Committee 2nd Method (1.33x current ratio).
CGTMSE guarantee cover & annual fee (AGF)
Collateral-free MSME loan cover (75%–85% up to ₹10 crore), Hybrid Security deduction and slab-wise Annual Guarantee Fee with 18% GST.
Medical & industrial equipment: lease vs term loan
Post-tax Net Present Value (NPV) comparison of Term Loan (margin + EMI + 15% WDV depreciation & interest tax shields) vs Equipment Lease.
TReDS / invoice discounting vs cash credit
Net day-1 liquidity and interest cost of discounting corporate/PSU invoices on TReDS vs funding debtors under a Cash Credit limit (after 25% margin).
MSME delayed payment interest (MSMED Act)
Interest on overdue invoices at three times the RBI Bank Rate with monthly rests, date-wise rates, part payments, the 45-day limit and the buyer's tax disallowance.
Bank guarantee cost vs surety bond
Commission charged by the month or quarter, GST, the cost of cash margin kept as an FD, and the same cover from an insurance surety bond.
For home buyers and property owners
Purchase costs in Maharashtra, FOIR + LTV eligibility, MODT charges, Section 194-IA TDS, PMAY-U 2.0 subsidy, pre-EMI, balance transfer and LAP vs LRD.
Maharashtra stamp duty & purchase costs
Stamp duty with LBT, metro cess and the women's concession, registration fee, GST, TDS, mortgage duty and the cash you need on top of the loan.
Home loan & LAP eligibility (FOIR + RBI LTV)
Maximum loan sanction tested against both FOIR income servicing capacity and RBI's tiered Loan-to-Value (LTV) ceilings (90% / 80% / 75%).
Maharashtra MODT, Notice of Intimation & CERSAI
0.3% mortgage stamp duty (Article 6), ₹1,000 Notice of Intimation filing fee (Section 89B), CERSAI registration and bank processing/legal charges.
Property purchase TDS (Section 194-IA / Form 26QB)
1% TDS on higher of Agreement Value or Stamp Duty Value (≥ ₹50 lakh), joint buyer/seller Form 26QB challan split and late filing penalties.
PMAY-Urban 2.0 interest subsidy (ISS)
Check EWS/LIG/MIG eligibility (income ≤ ₹9L, house ≤ ₹35L, loan ≤ ₹25L, carpet ≤ 120 sq.m) and calculate up to ₹1.80 lakh interest subsidy.
Pre-EMI vs full EMI for an under-construction flat
Stage-wise disbursement on a MahaRERA payment plan, monthly pre-EMI, total interest under each option and the cost of a possession delay.
Home loan balance transfer: does switching pay?
Interest saved at a lower rate, keeping the EMI or the tenure, net of processing fee, GST and Maharashtra mortgage stamp duty, with the break-even month.
Lease rental discounting: how much can I borrow?
Net rent after TDS and owner's outgoings, escalation and residual lease, then the tests banks publish: % of rent, present value, EMI cover and LTV.
LAP vs LRD side-by-side comparison
Compare maximum loan eligibility, interest rate (1.00%–1.50% lower on LRD), monthly EMI and total interest cost on a leased commercial asset.
How we build these. Every calculator follows a published rule — RBI directions and circulars, the MSMED Act, the Maharashtra Stamp Act, MahaRERA's Form 3 and orders, the Income-tax Act, 2025 — or a lender's published scheme terms, and lists its sources. Where the rule leaves room for judgement, the page says so. Results are estimates: lenders, the Sub-Registrar and MahaRERA apply their own rules and their figures prevail. Nothing you type is sent to us.
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