Home » Calculators » Flat Vs Reducing Interest Rate CalculatorFlat Vs Reducing Interest Rate Calculator The Flat Vs Reducing Interest Rate Calculator helps you compare EMI, total interest, and effective interest rate to understand the true cost of your loan instantly. Flat vs Reducing Rate Calculator Flat vs Reducing Rate Calculator Loan Amount (₹) Interest Rate (% per annum) Loan Tenure (Years) CalculateFlat RateEMI: Total Interest: Total Payable: Reducing RateEMI: Total Interest: Total Payable: