{"id":53843,"date":"2026-06-30T17:15:46","date_gmt":"2026-06-30T11:45:46","guid":{"rendered":"https:\/\/www.tatacapital.com\/blog\/?p=53843"},"modified":"2026-10-07T16:27:45","modified_gmt":"2026-10-07T10:57:45","slug":"what-is-annual-percentage-rate-apr","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/loan-on-property\/what-is-annual-percentage-rate-apr\/","title":{"rendered":"What is Annual Percentage Rate (APR) and how is APR calculated?"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p><em>Annual Percentage Rate (APR) helps you understand the actual cost of a loan by combining the interest rate with certain fees and charges. It is one of the most useful tools for comparing loans, credit cards, and other borrowing options. Unlike a simple interest rate, APR gives a broader view of what you may end up paying over the loan term. Understanding how APR is calculated can help you make better borrowing decisions and avoid costly surprises. Before taking any loan, it is always a good idea to compare the APR offered by different lenders.<\/em><\/p>\n\n\n\n<p>APR is the yearly cost of borrowing money, including the&nbsp;<a href=\"https:\/\/www.tatacapital.com\/personal-loan\/rates-and-charges.html\">interest rate<\/a>&nbsp;and certain loan-related charges, expressed as a percentage.<\/p>\n\n\n\n<p>Have you ever noticed that two loans with the same interest rate can end up costing very differently in reality? Many borrowers focus only on the advertised interest rate and overlook the additional charges that come with a loan. This is where APR becomes important. The APR full form is Annual Percentage Rate, and it gives you a more complete picture of the actual cost of borrowing by including not just the interest rate but also certain fees and charges.<\/p>\n\n\n\n<p>Understanding what APR is can help you compare loan offers more accurately and make well-informed borrowing decisions. In this guide, we explain the meaning of APR, how it works, its types, and how it is calculated with examples. We have also explained the difference between APR and interest rate for better understanding. Keep reading.<\/p>\n\n\n\n<p>Also Read \u2013&nbsp;<a href=\"https:\/\/www.tatacapital.com\/blog\/generic\/floating-vs-fixed-interest-rate\/\">Fixed vs floating interest rate<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Is Annual Percentage Rate (APR)?<\/strong><\/h2>\n\n\n\n<p>As you already know, the APR full form is Annual Percentage Rate. Now, coming to the question of what APR is, it is the total yearly cost of a loan or credit product. It includes not only the interest charged by the lender but also certain fees and charges associated with the loan.<\/p>\n\n\n\n<p>Unlike the Rate of Interest (ROI), which reflects only the interest component, APR provides a more complete picture and helps borrowers compare different loan offers more accurately. The APR percentage can be calculated using a mathematical formula that accounts for the loan amount, tenure, interest, and applicable charges.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How does APR work?<\/strong><\/h2>\n\n\n\n<p>APR is expressed as an annual percentage and shows the actual cost of borrowing money. It estimates the percentage of the loan amount you pay each year after taking into account not only the interest rate but also certain fees and charges associated with the loan.<\/p>\n\n\n\n<p>This is why the APR percentage is often considered more useful than the headline interest rate alone. In many lending products, APR is required to be disclosed to improve transparency and help borrowers understand the real cost of a loan before making a borrowing decision.<\/p>\n\n\n\n<p>Read More \u2013 <a href=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/hidden-charges-in-personal-loan\/\">Hidden charges in personal loans<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Are the Different Types of APR?<\/strong><\/h2>\n\n\n\n<p>Not every loan or credit product uses the same type of APR. The rate applied depends on the purpose of the borrowing and the terms offered by the lender.<\/p>\n\n\n\n<ul>\n<li><strong>Fixed APR: <\/strong>The APR remains the same for a specified period, making it easier to estimate borrowing costs.<\/li>\n\n\n\n<li><strong>Variable APR: <\/strong>The APR can change over time if the benchmark rate or market conditions change.<\/li>\n\n\n\n<li><strong>Purchase APR: <\/strong>This is the rate charged on purchases made using a credit card.<\/li>\n\n\n\n<li><strong>Cash Advance APR: <\/strong>Applies when you use a credit card to withdraw cash. It is often higher than the rate charged on purchases.<\/li>\n\n\n\n<li><strong>Balance Transfer APR: <\/strong>Charged when outstanding dues are transferred from one credit card to another.<\/li>\n\n\n\n<li><strong>Introductory or Promotional APR: <\/strong>A temporary low or zero-rate offer provided for a limited period, usually to attract new customers.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How is APR calculated? Formula and example<\/strong><\/h2>\n\n\n\n<p>Along with &#8220;what is APR&#8221;, &#8220;how to calculate APR&#8221; is another common question borrowers ask.<\/p>\n\n\n\n<p><strong>APR = [{(Fees + Interest) \/ Principal} \/ N] X 365 X 100<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Fees = <\/strong>processing fee and other charges<\/li>\n\n\n\n<li><strong>Interest = <\/strong>total interest payable during loan term<\/li>\n\n\n\n<li><strong>Principal = <\/strong>original loan amount sanctioned<\/li>\n\n\n\n<li><strong>N = <\/strong>number of days in loan term<\/li>\n<\/ul>\n\n\n\n<p>Consider a loan of Rs. 1,00,000 taken for one year at 10% interest, with processing fees and other charges of Rs. 2,000:<\/p>\n\n\n\n<ul>\n<li>Total interest for the year: Rs. 10,000.<\/li>\n\n\n\n<li>Interest plus fees: Rs. 10,000 + Rs. 2,000 = Rs. 12,000.<\/li>\n\n\n\n<li>Divide by the principal: Rs. 12,000 \u00f7 Rs. 1,00,000 = 0.12.<\/li>\n\n\n\n<li>Adjust for the loan term and annualise: 0.12 \u00f7 365 days \u00d7 365 days = 0.12.<\/li>\n\n\n\n<li>Convert to a percentage: 0.12 \u00d7 100 = 12%.<\/li>\n<\/ul>\n\n\n\n<p>The APR for this loan works out to 12%, which is higher than the 10% ROI, since it also accounts for the Rs. 2,000 in charges.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>APR Calculation for a Loan<\/strong><\/h3>\n\n\n\n<p>For a loan, APR includes both the interest cost and applicable fees. For example, if you borrow Rs. 5,00,000 for two years at 9% interest, and pay Rs. 8,000 in processing fees and other charges, the APR works out to 9.8%, just under a percentage point above the stated interest rate. This gives a clearer picture of the total borrowing cost than the interest rate alone, making it easier to compare loan offers from different lenders.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>APR Calculation for a Credit Card<\/strong><\/h3>\n\n\n\n<p>For a credit card, APR is usually converted to a daily periodic rate by dividing it by 365. Interest is then charged daily on the unpaid balance. For example, if the APR is 36%, the daily rate is about 0.099%. If you carry a balance from one billing cycle to the next, interest continues to accrue. However, paying in full within the interest-free period helps avoid APR charges.<\/p>\n\n\n\n<p>Also Read \u2013&nbsp;<a href=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-improve-your-credit-score-in-30-days-or-less\/\">How To Improve Credit Score In 30 Days<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>APR vs ROI: What is the difference?<\/strong><\/h2>\n\n\n\n<p>Many borrowers confuse APR with ROI (Rate of Interest). While both are shown as percentages, APR also includes certain fees and charges, whereas ROI reflects only the interest component of a loan.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Basis<\/strong><\/td><td><strong>APR<\/strong><\/td><td><strong>ROI<\/strong><\/td><\/tr><tr><td>What does it include?<\/td><td>Interest plus certain fees and charges.<\/td><td>Only the interest charged on the loan.<\/td><\/tr><tr><td>What does it show?<\/td><td>The overall cost of borrowing.<\/td><td>The rate at which you have to pay interest on a loan.<\/td><\/tr><tr><td>Useful for<\/td><td>Comparing different loan offers.<\/td><td>Understanding the interest component.<\/td><\/tr><tr><td>Which is higher?<\/td><td>APR is higher than ROI because it considers additional charges.<\/td><td>ROI is lower because it considers only the interest rate.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>APR provides a more complete picture for comparing loan offers, while ROI focuses only on the interest component of your borrowing cost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>APR vs APY: How are they different?<\/strong><\/h2>\n\n\n\n<p>APR and APY are both expressed as annual percentages, but they measure different things. APR stands for Annual Percentage Rate and is commonly used to show the cost of borrowing money through loans or credit cards. It does not account for compounding effects within the year. APY stands for Annual Percentage Yield, and is generally used for savings accounts, fixed deposits, and other investment products. It includes the effect of compounding, which means it reflects the actual return earned over a year. In simple terms, APR helps you understand borrowing costs, while APY helps you understand investment or savings returns.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Basis<\/strong><\/td><td><strong>APR<\/strong><\/td><td><strong>APY<\/strong><\/td><\/tr><tr><td>Used for<\/td><td>Borrowing, such as loans and credit cards<\/td><td>Savings, fixed deposits, and other investments<\/td><\/tr><tr><td>Accounts for compounding?<\/td><td>No<\/td><td>Yes<\/td><\/tr><tr><td>What it tells you<\/td><td>The cost of borrowing money<\/td><td>The actual return earned on savings or investments<\/td><\/tr><tr><td>Generally preferred as<\/td><td>Lower<\/td><td>Higher<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Check \u2013&nbsp;<a href=\"https:\/\/www.tatacapital.com\/home-loan.html\">Housing Loan Online<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fixed vs Variable APR: What Is the Difference?<\/strong><\/h2>\n\n\n\n<p>The APR on a loan can either stay the same or change over time. With a fixed APR, the rate remains unchanged during the fixed-rate period, so your repayments stay predictable. This is often seen in products such as a fixed-rate mortgage. With a variable APR, the rate can go up or down depending on changes in market or benchmark rates. As a result, your borrowing cost and monthly payments may also change during the loan term.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Does APR Matter When Borrowing?<\/strong><\/h2>\n\n\n\n<p>Many borrowers look only at the advertised interest rate while comparing loans. However, the interest rate does not always tell the full story. Since APR includes both the interest cost and certain fees, it gives a more realistic view of what a loan may actually cost.<\/p>\n\n\n\n<ul>\n<li>Helps compare loans and credit cards on a fair basis.<\/li>\n\n\n\n<li>Shows the impact of fees and charges on borrowing costs.<\/li>\n\n\n\n<li>Makes it easier to identify expensive loan offers.<\/li>\n\n\n\n<li>Reduces the chances of being misled by a low headline interest rate.<\/li>\n\n\n\n<li>Helps borrowers make more informed financial decisions.<\/li>\n\n\n\n<li>A lower APR usually means a lower overall borrowing cost.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to Get a Lower APR on a Loan?<\/strong><\/h2>\n\n\n\n<ul>\n<li>Maintain a healthy <a href=\"https:\/\/www.tatacapital.com\/check-cibil-score.html\">CIBIL score<\/a> by paying EMIs and credit card bills on time.<\/li>\n\n\n\n<li>Compare APRs from multiple lenders instead of looking only at the interest rate.<\/li>\n\n\n\n<li>Ask the lender whether any processing fees or charges can be reduced.<\/li>\n\n\n\n<li>Opt for a shorter loan tenure, as it may lower the overall borrowing cost.<\/li>\n\n\n\n<li>Opt for a <a href=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/what-is-a-collateral-loan\/\">secured loan<\/a> instead of an <a href=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/unsecured-loans\/\">unsecured loan<\/a> where feasible.<\/li>\n\n\n\n<li>Keep your debt levels under control to strengthen your credit profile.<\/li>\n\n\n\n<li>Submit complete and accurate documents to support your application.<\/li>\n<\/ul>\n\n\n\n<p>Lenders like <a href=\"https:\/\/www.tatacapital.com\/\">Tata Capital<\/a> offer competitive rates and transparent charges that help borrowers maintain a lower APR.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>APR gives you a clearer picture of what a loan or credit product may actually cost because it includes both the interest rate and certain fees. For this reason, it is often the most useful number to compare when evaluating different borrowing options. Before taking a loan, make sure you check the APR, not just the advertised interest rate.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Annual Percentage Rate (APR) helps you understand the actual cost of a loan by combining the interest rate with certain fees and charges. It is one of the most useful tools for comparing loans, credit cards, and other borrowing options. Unlike a simple interest rate, APR gives a broader view of what you may end [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":53844,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[36],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is APR (Annual Percentage Rate) &amp; how is | Tata Capital<\/title>\n<meta name=\"description\" content=\"Learn what APR (Annual Percentage Rate) means, how APR is calculated, its types, and how it differs from interest rate and ROI on loans and credit cards.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is APR (Annual Percentage Rate) &amp; how is | Tata Capital\" \/>\n<meta property=\"og:description\" content=\"Learn what APR (Annual Percentage Rate) means, how APR is calculated, its types, and how it differs from interest rate and ROI on loans and credit cards.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/loan-on-property\/what-is-annual-percentage-rate-apr\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-30T11:45:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-07T10:57:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2026\/06\/Annual-Percentage-Rate.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"624\" \/>\n\t<meta property=\"og:image:height\" content=\"416\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tata 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