Tools
Work out the numbers before you commit
Two calculators and three checklists. The calculators use standard formulas and run entirely in your browser; nothing is sent to a server. They are estimates, not an offer, a sanction letter or a repayment schedule.
01 · Loan repayment
EMI calculator
Enter the amount, the annual rate and the tenure in months. The calculator returns the monthly instalment on a reducing balance, the total interest and the total repayment.
The amount before any deductions.
The rate the institution quotes, not the effective yield.
The repayment period.
- Monthly EMI
- NPR 14,122
- Total interest
- NPR 38,929
- Total repayment
- NPR 3,38,929
The EMI is calculated with the standard reducing-balance formula. It does not include processing, insurance or documentation fees, and it is not a sanction letter. The institution's repayment schedule is authoritative.
02 · Savings and deposits
Interest calculator
Compare simple interest with annual, half-yearly, quarterly or monthly compounding for the same principal, rate and time.
- Method
- Compound, annually
- Total interest
- NPR 33,100
- Maturity amount
- NPR 1,33,100
This is a mathematical estimate, not a deposit or loan quote. Institutions may use a different day count, compounding convention or fee structure. Use the figure as a comparison, then check the institution's own schedule.
03 · Before you apply
Application checklists
Three short lists: a CIB self-check, a CV read-through and a cover-letter outline. They are prompts for your own work, not a scoring system.
CIB self-checkUse this before you ask an institution to correct a credit record.
- I have the latest loan statement or settlement letter from the reporting institution.
- I have identified the exact entry that is wrong: institution, facility, amount and date.
- I have a copy of my identification and the application or reference number.
- I have written a short explanation of what should change and why.
- I know that the institution and the CIB decide the correction; no agent can guarantee it.
- I have kept a copy of everything I submitted and noted the date and recipient.
CV checklistA last read before you attach the file.
- The role title and the institution's name match the vacancy notice.
- The first page shows the experience most relevant to this role.
- Every number in the CV is one I can explain and support.
- Dates, job titles and institution names are consistent.
- There is no photograph, marital status, caste or full citizenship number unless asked.
- The file is a PDF named with my name and the role.
- I have read it aloud and removed repeated words and long sentences.
- My references know that they may be contacted.
Cover-letter outlineThree short paragraphs are enough.
- Paragraph 1: the role, the institution and where I saw the notice.
- Paragraph 2: two pieces of evidence that match the main requirements.
- Paragraph 3: availability, phone number and email address.
- I have addressed a named person if the notice gives one.
- I have not repeated the CV line by line.
- I have checked the spelling of the institution and the role.