LowerMyEMI

Empty takeover threats to your RM don't lower your interest rate.

Stop asking your RM nicely. Get offers from banks whose rate beats yours, and put them in his face. Free.

Words work: 42 lakh, 1.2 crore
%
yrs

e.g. ₹4,86,409

less interest if a lender cuts a ₹42 lakh, 9.4% loan by 1%.

No sign-up. No OTP. No documents. Nothing goes out until you press Send.

Lenders decide the rate. You decide who gets your loan.

Running a business? Make banks compete for it too

Three steps. One sitting.

1. You type 3 numbers.
2. We pick banks whose published rate beats yours, and write each one an email.
3. You hit Send from your own Gmail. Lenders reply to you, not to us.

Nothing goes out until you press Send. Stop any time.

Written to get a call back.

Your numbers. One clear ask. Zero fluff.

  1. Your exact loan. Amount, rate, years left. Nothing to guess.
  2. One clear ask. Call me with your best offer.
  3. From you. Your Gmail, your name. A real customer, not a lead list.
  4. A reference. Every reply and follow-up stays in one thread.

Each bank gets its own email. No copy-paste blasts.

23 lenders. Their branch nearest you.

Each email goes to the lender's own branch, loan centre or MSME centre for your PIN code. We suggest the ones whose published rate beats yours. Add or drop anyone before you send.

State Bank of IndiaBank of BarodaPunjab National BankCanara BankUnion Bank of IndiaBank of IndiaIndian BankCentral Bank of IndiaIndian Overseas BankUCO BankBank of MaharashtraPunjab & Sind BankYes BankFederal BankSouth Indian BankLIC Housing FinanceCan Fin HomesRepco Home FinanceGIC Housing FinanceAavas FinanciersHome First FinanceTruhome FinanceTata CapitalMore lenders coming soon

Names are listed for information only. LowerMyEMI is not affiliated with, or paid by, any of these lenders.

Their latest published rates

Then turn up the heat.

Your bank, on notice.We write the letter that asks your own bank to cut your rate before you move.
Follow-ups, ready.Day 3 to the same desk, day 7 to its regional office, day 12 to the zonal office. Banks that called are skipped.
Know who called.Tick them off. It stays on your phone. No account.
Business loans too.Cash credit, term loans, working capital. Make several banks price your company.For businesses

We don't sell you out.

  • No sign-up. No OTP. No documents.
  • Nothing leaves your phone until you press Send.
  • We never sell your number. Not to banks, not to agents.
  • We never call you. Anyone who says they are us is lying.

Free.

No bank pays us. We are not an agent. We work for you.

We chase the banks for you on day 3, then their regional office on day 7 and zonal office on day 12: ₹49 ₹0. Rate Watch alerts when a bank's rate beats yours: ₹199 ₹0. Everything is free until 30 April 2027. Nothing is charged automatically after that.

PricingQuestions

RBI moves. You hear from us.

What changed and what it means for your EMI. Free.

You confirm by email. Unsubscribe any time.

Make banks compete for your loan.

Free. No sign-up. Lenders decide the rate.

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