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.
Phone, name, PAN. One soft credit check — it never touches your score. Consent is plain and you can delete your data anytime.
We read every loan and card, check the rates, and show one honest figure — exactly how much you could save each year. For free.
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.
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."
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.
Rates change, your credit improves, new offers appear. EMI Monitor checks every week and pings you on WhatsApp the moment a real saving opens up — that's what ₹3.3 a day keeps alive.
Score, every loan and card, a 24-month on-time heatmap, enquiries, and a clear action plan. No "FOIR" or "EBLR" — just what's good, what's worth fixing, and why.
Weekly checks and alerts the moment you can save more.
Pulled straight from CIBIL with a soft check. Never an estimate.
No fake timers, no guilt, no pre-ticked boxes. The plan earns the upgrade.
Encrypted end-to-end. Delete your data anytime — DPDP-compliant by design.
When you say yes, banks compete for your loan and you pick the winner.
Nothing to fix? We say so — and never charge to tell you that.
"Moved my ₹14L personal loan from 15.5% to 10.9% in three weeks. Same EMI date, just less of it."
"It told me my loans were already fine and didn't charge a paisa to say it. That's when I trusted them."
"My card balance was eating me at 42% a year. One advisor call converted it to an EMI at 14%."
Member stories · names changed for privacy · savings vary by profile
Billed ₹99/month. No tiers. No decoys. Cancel anytime in Settings.
You only pay if you want the plan. We never charge to say "nothing's wrong."
Free to check. ₹3.3 a day only if you want the plan.