Loan Utility Portal

**Loan Utility Portal** is a professional‑grade toolkit that brings together **loan eligibility, EMI, guarantee‑fee and inspection report calculators** in one modern app. Designed for **banks, NBFCs, credit officers and informed borrowers**, it delivers clear answers, fast — with **shareable PDF reports and EMI charts**.

### Make Loan Discussions Simple

Whether you are evaluating a home loan, car loan, property loan, pension loan or cash loan, Loan Utility Portal helps you:

- Understand how much a customer may be eligible for
- See the exact EMI and amortization schedule
- Estimate margins, FOIR and LTV‑aligned limits
- Prepare professional reports for clients and internal files

### What You Can Do

**Retail Loan Calculators**

- **Home Loan:**
- Income, FOIR and LTV‑based eligibility
- EMI and full amortization schedule
- Project cost vs income‑based caps

- **Car Loan:**
- New, used and combo scenarios
- On‑road cost breakup and margin
- Eligibility and EMI at a glance

- **Property Loan:**
- Term loan and overdraft options
- Realisable value and FOIR checks

- **Pension & Cash Loans:**
- Pension multiples, age and repayment period
- Employer category, salary account status and existing EMIs
- Amount available for new EMIs

- **Quick EMI Calculator:**
- Fast EMI, principal and interest breakup
- Exportable EMI chart

**Guarantee Fee & Scheme Calculators**

- **CGTMSE Fee Calculator** – for micro and small enterprises
- **CGFMU Fee Calculator** – for micro units
- **CGSSI Fee Calculator** – for skill and scheme‑specific initiatives

All three provide a **clear breakdown of base fee, GST, invoice to bank and total fee to customer**, mirroring how branches and HO teams work.

**Inspection & Reporting Helpers**

- PSVR‑1 to PSVR‑5 inspection support
- Statement of Means (Annexure‑II) helper
- Capture details in structured form and generate **clean, shareable PDF outputs** for audits and records.

**Interest & Utility Tools**

- Simple & compound interest calculators
- Fixed deposit calculator
- Date and tenor calculator
- Area, length and weight / mass converters

### Built for Professionals, Friendly for Everyone

- **For banks & NBFCs:**
- Aligns with typical credit workflows
- Reduces manual calculator use and spreadsheet errors