Dhanushkodi adds little to the Rameswaram trip cost. It is an abandoned town at the tip of the island, about 20 km from the temple:
- The drive: A paved road now runs to Arichal Munai, the land's end point.
- The ruins: See the old church and railway station left after the 1964 cyclone.
- The beaches: The sea here can be rough, so swim only where it is calm and allowed.
- Timing: Go in the morning or late afternoon, and return before dark.
Hire a taxi or auto for the round trip. In the sample Rameswaram trip cost, it costs Rs. 2,500.
Lakshmanan's family pilgrimage
Lakshmanan, 47, is a salaried civil engineer with a construction firm in Delhi. He earns Rs. 52,000 monthly; his CIBIL score is 744. The table shows the cost of his Rameswaram trip for his wife and parents. Savings met Rs. 10,000, and a Rs. 58,000 borrowing at an illustrative 16.75% per annum met the rest. He priced the equated monthly instalment (EMI) for 1 year and 1.5 years.
EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. Here P = Rs. 58,000, R = 16.75 ÷ 1,200 and N = months.
| Tenure | Monthly EMI (Rs.) | Total interest (Rs.) | EMI as share of salary (%) |
|---|
| 12 months (1 year) | 5,283 | 5,396 | 10.2 |
| 18 months (1.5 years) | 3,666 | 7,993 | 7.0 |
Last updated: 02nd November, 2026
An 18-month plan lowers each payment by Rs. 1,617 while interest goes up Rs. 2,597. Processing is charged at up to Rs. 2,395. Lakshmanan took 12 months to finish before the next festival season.
What can delay approval: a CIBIL score below 650 or existing EMIs that take up a large share of your income. Names or addresses that do not match across documents, and more than one loan application in the same month, can also slow it down.
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