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Cash Back vs Low Interest Calculator

Compare dealer cash back vs subsidised low interest rate — which saves more?

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Assumes the cash back reduces the amount you borrow, at the standard rate, and the low-rate offer borrows the full amount. Both use the same tenure and monthly EMIs. Total cost is EMIs only. Processing fees, insurance, taxes and any other charges are not included, so check them in each offer.

Car and home dealers often offer either a cash discount or a subsidised interest rate. Always compare total cost (all EMIs combined), not just monthly EMI. The better deal depends on loan amount, tenure, and the size of the discount.
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