Ekatra: Home Loan Refinance

Paying more home loan EMI than you should? You are not alone, most Indians are — and don't know it. The average middle-class household in India overpays ₹5,000 to ₹15,000 per month on their home loan. Interest rates drop. Banks stay quiet. Better offers exist at HDFC, SBI, ICICI, Axis, Bank of Maharashtra or others — but nobody is comparing them for you. Ekatra does. For free. WHAT EKATRA DOES: Link your accounts and in under 5 minutes we tell you exactly how much you're overpaying on your home loan — and take over the refinancing for you, end-to-end. FIND YOUR SAVINGS: - Compares your current rate against today's MCLR and repo-linked rates - Factors in your CIBIL score, employer tier, income stability, and bank relationship - Shows you a ranked shortlist of the top 3 banks most likely to approve you - Tells you "why this rate?" — full transparency, no black box WE HANDLE THE BANK: - Auto-generated refinance application pack - Human team that calls the branch, negotiates, and follows up - Escalation to nodal officers and the banking ombudsman if needed - You do nothing except approve the fix 100% FREE. NO CATCH: - No subscription - No hidden fees - No commissions from banks - No insurance or mutual fund product-pushing - No "come back when you have ₹5 crore" We're starting free because we want to prove the value before we ask for anything. Built for India's middle class, not the top 1%. WHO EKATRA IS FOR: - Salaried professionals paying an EMI on a home loan - Self-employed borrowers frustrated with opaque bank pricing - Anyone who hasn't re-checked their home loan rate in 2 or more years - Families wanting one clear view of their money — loans, investments, taxes, insurance HOW IT WORKS: 1. Sign up in under a minute 2. Link accounts securely via Account Aggregator (RBI framework) 3. Get your savings estimate in under 5 minutes 4. Tap approve — we handle the bank, the paperwork, and the follow-ups YOUR DATA IS SAFE: Ekatra uses RBI's Account Aggregator framework — the same consent architecture used by every major Indian bank. Your data is encrypted, consent-based, revocable anytime, and never sold. WHAT'S NEXT: Home loan refinance is our starting point. ekatra is being built as a complete AI-powered financial co-pilot for Indian households. Coming soon: - Income tax optimization (ELSS, 80C, HRA, capital gains) - Insurance audit — find and exit mis-sold policies - Investment portfolio restructuring - Unified dashboard across every bank, broker, and financial account Questions or feedback? [email protected] Learn more: https://www.joinekatra.com