Home Loan Doctor

Do not leave₹8,00,000on the table.

Actively manage your Home Loan EMI.

Your loan is a combination of many variables — benefits are only partially transferred.

Lever 1 — External Benchmark

The benchmark problem

Older loans may still be tied to a slower internal benchmark that lags rate cuts.

Lever 2 — Bank Spread

The spread problem

Your existing loan is locked to the spread from sanction. The bank earns more by leaving it unchanged.

Lever 3 — Your Premium

The premium problem

Banks don't proactively re-price existing borrowers as profiles improve. You have to ask.

We work for you. Not your bank.

No bank. No commission. No referral fee.

Check your loan — it's free.

12 questions. No documents. No account. Instant result.

Our Services

Full Assessment

₹999

One-time · payable on collection

A complete, document-based diagnosis of your home loan with a specific action plan.

Detailed loan diagnosis

Assessment across all three factors, with a quantified savings range.

Tailored action plan

Ready-to-send email templates and the RBI circular to cite.

12-month rate monitoring

Instant alerts on rate changes that affect your EMI.

Quarterly lender health report

Your lender benchmarked against alternatives.

Free access to all new services

Everything we launch this year, included.

Loan Rate Change Assistance

₹2,999

Paid upfront · 50% refunded if no rate reduction is achieved

We don’t just tell you what to do — we do it for you. Our team engages directly with your lender to build and present a case for a lower rate, or moves your loan to one that will reduce your EMI.

Everything in Full Assessment — completed within 7 days

We engage with your lender on your behalf with a case for reduction built on RBI norms

We track responses and escalate if your lender delays or ignores

We coordinate a balance transfer to a lower-rate lender if negotiation stalls

Currently available in select PIN codes of Bengaluru

Completion in 60 days or less.

Select your service during registration

By the numbers

Loans analysed

Free checks + full assessments

₹5.7 Cr

Loan value assessed

Total outstanding across all loans

₹2,411/mo

Avg. savings identified

Monthly EMI reduction on flagged loans

Figures updated in real time across free loan checks and paid assessments. No personal data is stored or displayed.

Five steps from registration to savings.

60 seconds. Name, email, phone.

Receive payment link

Receive a ₹999 payment link by email.

Share your documents

Pay and share two documents: your sanction letter and your latest interest certificate.

Get your assessment

Assessment and action plan delivered within 48 hours of receiving your documents.

Realise your savings

We negotiate with your lender or facilitate a balance transfer. We charge ₹2999 for this service, payable only if you realise savings on your home loan.

Frequently asked questions

Is my data safe? What documents do you store?

The free tool runs in your browser — we never see your loan inputs. For the paid assessment, we collect your name, email, phone, and city. Documents you share are handled by your analyst and deleted within 30 days of delivery. We comply with India's DPDPA 2023.

What's the difference between the free tool and the paid assessment?

The free tool uses published rates and your answers to flag likely patterns — no documents, instant result. The paid assessment reads your actual documents. Your analyst gives you the exact bps gap on each lever, a rupee-quantified savings range, a pre-drafted email to your bank, and the RBI circular that supports your request.

My loan is EBLR — is there still an opportunity?

Yes — two levers still apply. Your spread may be wider than what your bank currently offers new borrowers. And if your credit profile has improved since sanction, your risk premium may have room to move. The free tool checks both.

I don't know my CIBIL score. Can I still use the tool?

Yes. Select 'I don't know' — the tool runs without this input. You can check your score free at CIBIL.com, Paytm, or your bank's app.

What if the paid assessment finds no savings opportunity?

If we find no meaningful saving (defined as < ₹500/month across all three levers), we refund 50% — ₹499 — within 7 business days of delivering your report. We still monitor your lender's rates for 12 months.

How long does the paid assessment take?

48 hours from the moment we receive your documents. Share them the same day you register and you'll typically have your report in two working days.

Can you negotiate with my bank on my behalf?

No — we don't contact your bank. We give you the precise diagnosis, the exact regulatory framework, and a ready-to-send email. Most banks respond constructively to a well-prepared, document-backed request.

What is your refund policy?

50% refund (₹499) within 7 business days if the assessment finds no meaningful saving (< ₹500/month). Full fee retained if any opportunity is identified. If documents aren't provided within 30 days of payment, the assessment lapses — no refund. Full policy in Terms of Service.

Which lenders do you cover?

The free tool covers 10 major lenders: SBI, HDFC Bank, ICICI Bank, Bank of Baroda, Axis, Kotak Bank, PNB, Canara, Union Bank, and LIC HFL. Select 'Other' for any other lender — L1 and L3 still run. The paid assessment covers any lender.

Do I need to create an account?

No. The free tool requires no login. Paid assessment: we collect your name, email, and phone. All delivery is by email.