Banking Calculators
A growing collection of free calculators built for bank officers, credit managers, and banking aspirants. Bookmark this page — tools are added regularly.
DA Calculator
Current DA: 25.00% (Feb–Apr 2026). Enter your Basic Pay, SA, PQP and more to get your exact monthly DA under the 12th BPS.
BPS Salary Calculator
Select your scale or cadre, years of service, and qualifications — get a full 12th BPS salary slip with DA, HRA, PQP, gross, and take-home.
Staff Housing Loan EMI
Simple interest EMI for PSB staff loans — monthly principal & interest EMIs, total interest, and savings vs market compound rates. Unique to this site.
EMI Calculator
Calculate equated monthly instalments for any loan amount, interest rate, and tenure. Amortisation schedule included.
Drawing Power Calculator
Calculate DP from a stock statement: eligible stock, book debts ≤90 days, trade creditors, and margin.
CGTMSE Fee Calculator
Compute Annual Guarantee Fee (AGF) for any MSME loan — category discounts, MLI risk adjustments, pro-rated first year. Based on Circular 251/2024-25.
Interest Calculator
Simple and compound interest for deposit pricing, loan comparisons, and NPA interest computation.
Loan Eligibility Calculator
Estimate maximum loan eligibility based on gross income, existing obligations, and bank norms (FOIR / NTH).
Each calculator is built around the formulas and norms that branch officers and credit managers use every day — not textbook approximations.