Ramanathan
Software Engineer & Solutions Architect · Creator of LoanCalcNow
Hi, I'm Ramanathan — the person behind LoanCalcNow.
I'm a Software Engineer and Solutions Architect with 20+ years of experience building enterprise applications across BFSI, Healthcare, Retail, Manufacturing, and Industrial Automation. Over those two decades I've worked on systems that calculate loan repayments and payroll, so I understand both the math behind these numbers and how easy it is to get confused by them as a regular user.
Why I built LoanCalcNow
I wanted a loan and EMI calculator that's:
- Fast — no sign-ups, no clutter, just the number you need.
- Accurate — built using standard formulas used by Indian banks, not guesswork.
- Transparent — you can see exactly how each result is calculated.
My background
- Software Engineer and Solutions Architect with 20+ years of experience delivering enterprise digital transformation initiatives.
- Domains: BFSI, Healthcare, Retail, Manufacturing, and Industrial Automation.
- LinkedIn profile
How I keep the calculators accurate
Every calculator on this site is checked against its underlying formula before it ships. I run each one against the standard math — the reducing-balance EMI formula, compound interest for FDs and PPF, the Payment of Gratuity Act's 15/26 rule, and so on — and I test edge cases like a zero interest rate, a zero tenure, or an amount above the slider's max before publishing. When a formula changes, or a statutory figure like the PPF rate or the gratuity ceiling is revised, I update the source config in one place and re-verify every page that depends on it, rather than editing numbers by hand on each page.
Articles I've written
I also write the guides on this site — longer explainers that go past what a single calculator can show. Every one of them pairs with a calculator so you can check the numbers yourself:
- The Power of Compounding: How SIP Returns Actually Work
- SIP vs FD: Which Is Better? Returns Compared After Tax
- Fixed-Rate vs Adjustable-Rate Mortgage: How to Choose
- Refinancing Your Mortgage: When It's Actually Worth It
- Biweekly Mortgage Payments: How Much You Actually Save
- PPF Rules: Lock-in, Partial Withdrawal, and Loans
- Snowball vs Avalanche: Paying Off Credit Card Debt
- CIBIL Score and Your Home Loan: How It Affects Your Rate
- How Much House Can You Afford? By Income
- Gratuity Act Explained: Eligibility, Formula and the ₹20 Lakh Cap
- Flat Rate vs Reducing Balance Interest, Explained
- 15-Year vs 30-Year Mortgage: Which Should You Choose?
- PMI Explained: What It Costs and How to Avoid It
- Education Loan Moratorium Explained
- Personal Loan vs Credit Card for Emergency Expenses
- Home Loan vs Loan Against Property: Which Fits Your Need?
See the full, always-current list on the guides page.
Corrections and feedback
If a figure looks wrong, I want to hear about it. Send the calculator, your inputs, and what you expected through the contact page — reports of a wrong figure get looked at first, because if a calculation is wrong it is wrong for everyone using it, not just you. Most mismatches turn out to be a real difference in what's being compared (a lender's PITI payment against this site's principal-and-interest figure, say, or a flat rate quoted as if it were reducing-balance), and I've folded the recurring ones into the guides above so future readers hit the explanation before they hit the confusion. When it's a genuine bug in a formula, I fix the source config once and it corrects itself on every page that depends on it, the same way a rate update does.
A note on financial advice
I'm not a licensed financial adviser, and LoanCalcNow provides estimates for planning purposes only. Always confirm rates, fees, and terms with your bank or a qualified professional before making a financial decision.