LoanWatch Get the app
Reads your real loans · soft check, no score impact

Are you overpaying on your EMIs?

Most people are — and never find out. LoanWatch reads your loans and cards in 60 seconds and shows exactly how much of your money is going to extra interest. Free to check.

Bank-grade encryption No score impact No spam, ever
Overpayment found
You're overpaying
₹3,933every month
₹47,200 a year · here's how to stop it
Your personal loan₹1,800/mo
How to fix this
HDFC credit card₹1,300/mo
How to fix this
Show me how to stop it
12,400+
EMIs audited
₹4.2 Cr
overpayment found
₹38,400
avg. found per member / yr
Real bureau data fromCIBILHDFCSBIICICI
How it works

Three taps to know if you're overpaying

Step 1

Verify & consent

Phone, name, PAN. One soft credit check — it never touches your score. Consent is plain and you can delete your data anytime.

Step 2

See your number

We read every loan and card, check the rates, and show one honest figure — exactly how much you could save each year. For free.

Step 3

We act on it

Tap "I'm interested" and an advisor takes it forward — banks compete, you pick. We keep watching and ping you when you can save more.

The whole idea

We show you the number for free. You decide if you want the fix.

No dashboards, no jargon, no score games. LoanWatch does one job and does it honestly: if nothing can be improved, we tell you that — and we never charge to say "nothing's wrong."

Real rupee savings from your real bureau data — never a fake estimate.
Zero dark patterns — no countdowns, no pre-ticked consent, no guilt nudges.
One plan, ₹99/month. Cancel anytime, delete your data anytime.
Payment history · 24 months95% on-time
We read the fine print so you don't have to — DPD history, utilisation, enquiries, all of it.
Members find on average₹38,400/yr
Illustrative — your number depends on your actual loans.
See it in action

A whole money app that does exactly one thing

LoanWatch
You can save
₹47,200
per year · 3 opportunities
Your personal loan+₹1,800/mo
Move from 16% to ~11% with a cheaper bank.
I'm interested

One number, not a spreadsheet

The home screen answers the only question that matters — how much you can save this year — and points to the single best move. Everything else is one tap away.

Built like a category leader, priced like a coffee

EMI Monitor

Weekly checks and alerts the moment you can save more.

Real bureau data

Pulled straight from CIBIL with a soft check. Never an estimate.

Zero dark patterns

No fake timers, no guilt, no pre-ticked boxes. The plan earns the upgrade.

Bank-grade security

Encrypted end-to-end. Delete your data anytime — DPDP-compliant by design.

Advisor network

When you say yes, banks compete for your loan and you pick the winner.

Honest by design

Nothing to fix? We say so — and never charge to tell you that.

Member stories

People are getting their money back

₹2,100/mo

"Moved my ₹14L personal loan from 15.5% to 10.9% in three weeks. Same EMI date, just less of it."

RD
Rohan Deshpande
Pune · Personal loan
₹0 charged

"It told me my loans were already fine and didn't charge a paisa to say it. That's when I trusted them."

FK
Farah Khan
Hyderabad · Home loan
₹1,450/mo

"My card balance was eating me at 42% a year. One advisor call converted it to an EMI at 14%."

SN
Suresh Nair
Kochi · Credit card

Member stories · names changed for privacy · savings vary by profile

One simple plan
₹3.3/ day
Less than a cutting chai

Billed ₹99/month. No tiers. No decoys. Cancel anytime in Settings.

See exactly how to save — every fix unlocked
An advisor acts on it — banks compete, you pick
EMI Monitor alerts you when you can save more
Get the app

You only pay if you want the plan. We never charge to say "nothing's wrong."

Questions, answered plainly

Will this hurt my credit score?
No. We run a soft check to read your report. Soft checks are invisible to lenders and never lower your score.
What is the ₹99/month for?+
It unlocks your step-by-step savings plan and keeps EMI Monitor running. Seeing whether you can save is always free — the plan and the monitoring are the paid part.
Is LoanWatch a bank or lender?+
No. LoanWatch is a loan advisor (DSA) that helps you find and switch to better offers. We are not a lender or an RBI-regulated entity.
Can I delete my data?+
Anytime. Settings → Delete my data wipes everything, as required under India's DPDP Act. You can also cancel your subscription whenever you like.
What if nothing can be optimised?+
We tell you honestly that your EMIs are already well-optimised — and we never charge to say that. You can switch on monitoring so we ping you if that ever changes.

Find out in 60 seconds.

Free to check. ₹3.3 a day only if you want the plan.

Download on theApp Store Get it onGoogle Play