Ekatra: Home Loan Refinance

Stuck with a high home loan EMI? Ekatra finds you a cheaper rate and our advocates handle the refinancing end-to-end. Free. Zero commission.

Paying more EMI than you should? You probably are — and you're not alone.

Most Indian households overpay ₹5,000–₹15,000 every month on their home loan. Interest rates drop, banks don't tell you. Better offers exist, but no one's looking out for you. We know, because it happened to our own families — ₹12 lakhs lost on a single home loan, for a rate that had been sitting lower for years.

Ekatra fixes that. For free.

WHAT EKATRA DOES Connect your accounts securely, and in under 5 minutes we show you exactly how much you're overpaying — and help you fix it end-to-end.

• Find the gap — We analyze your home loan against current market rates, your CIBIL, your employer tier, and lender-specific pricing to pinpoint your overpayment to the rupee. • Prepare the fix — Our AI builds your refinance application and shortlists the top 3 banks most likely to approve you at the best rate. • Handle the hard part — Our team follows up with branches, negotiates rates, and pushes your case through. You don't chase anyone.

IS IT REALLY FREE? Yes. No subscription. No hidden fees. No commissions from banks. No product-pushing. We're starting free because we want to earn your trust before we earn anything else. That's the entire pitch.

WHO IT'S FOR • Salaried professionals with an active home loan • Self-employed borrowers tired of opaque bank pricing • Anyone who hasn't checked their rate in 2+ years • Families who want an honest view of where their money is going

HOW IT WORKS

1. Sign up in 60 seconds
2. Link your accounts via Account Aggregator (RBI-regulated, bank-grade secure)
3. Get your savings estimate in under 5 minutes
4. Approve the fix — we handle the bank

YOUR DATA IS SAFE We use RBI's Account Aggregator framework — the same rails used by HDFC, ICICI, and every major Indian bank. Consent-based, encrypted, never sold, never shared.

WHAT'S COMING NEXT Home loans are the wedge. Ekatra is being built as a complete financial co-pilot for India's middle class. Upcoming: • Tax optimization (ELSS, 80C, HRA planning) • Detect and fix mis-sold insurance policies • Investment and portfolio restructuring • One unified view of every account your family holds

Stop overpaying. Start with Ekatra.

Questions, feedback, or just want to say hi? prannay@joinekatra.com