We're paid by lenders, never by you. That frees us to give you the full picture — including the times when the smartest move is to stay exactly where you are.
When advice is tied to a sale, you tend to hear only the answers that lead to one. We've built KEOFIN the other way: on every question you get all three honest options, and exactly what we earn on each.
If your current rate is already fair, or you've nearly finished paying, the honest answer is to stay put. We'll tell you so — and show you why.
● We earn ₹0Often your existing lender will lower your rate if you simply ask. It's free, it's fast, and it costs you nothing to try. We'll coach you on exactly what to say.
● We earn ₹0If — and only if — switching genuinely saves you money after every cost, we'll compare lenders, negotiate, and handle the paperwork at your doorstep.
● A lender pays us a feeThis is the difference between advice and a sales pitch: we put the free routes first, we show you the maths, and we only earn when moving lenders is actually the right call for you.
Move the sliders to match your loan. We'll show you the real numbers — and, importantly, when the answer is "don't bother." No sign-up, no data leaves your browser.
Assumes a one-time switching cost of about 0.5% of the balance plus ₹7,500 in legal/valuation charges. Floating-rate home loans have no RBI prepayment penalty. Real figures vary by lender and profile.
Want us to run this on your actual loan and negotiate for you? Book a free call →
Our test for anything we recommend: would we tell you not to take it when it doesn't fit? If the answer's no, we don't touch it.
Buying, or borrowing against property. We compare across banks, HFCs and NBFCs and negotiate the rate — you never pay us.
Overpaying on an existing loan? We'll do the honest maths first — and tell you if staying put or asking your own bank wins.
Stuck with high-interest personal or card debt? We help you find a cheaper, structured way out — and the order to clear things in.
We help you read your report, fix errors, and improve your score — a soft check never hurts it.
We'll flag if you're under-covered and point you to plain term cover — not a pricier investment-linked policy.
We don't sell funds. For anything specific we connect you to a SEBI-registered adviser — the people licensed for it.
We're paid a referral fee by the lender only when a switch genuinely helps you — and nothing when you stay put or simply ask your existing bank for a better rate. Because "do nothing" costs us the same as a deal, it's a real answer here, not a lost sale.
| What you're comparing | Going direct to one lender | Through KEOFIN |
|---|---|---|
| Options you see | Just that lender's own products | Compared across several lenders |
| Being told to stay put | Not really their role | Said plainly when it's true |
| Paperwork & follow-up | You handle it yourself | We handle it, at your doorstep |
| What it costs you | Your time and branch visits | Zero — ever |
| Who pays us | — | The lender, only if you switch |
A call or a WhatsApp message. Tell us your loan and what's on your mind. No obligation.
Rate, balance, tenure, and — with your consent — a soft credit check that never affects your score.
Do nothing, ask your own bank, or move — with the maths, and what we'd earn on each. You decide.
We compare lenders, negotiate, and collect documents at your doorstep across Bengaluru. No branch queues.
Money reaches your account. Zero fee, ever. We'll only reach out later if something changes that's worth your while.
Beyond loans, we're building a fuller picture: where your money goes, what's sitting idle, where you're exposed. It reads your real numbers and gives plain, on-your-side guidance. We're rolling it out carefully, one customer at a time.
Trust isn't a slogan. These are things you can check for yourself.
A move usually pays only if the rate drops ~1%+ and you've got 5+ years left, so the interest saved beats the one-time cost. Less than that, and staying put often wins.
Above ~750 unlocks the best rates. Paying EMIs on time and keeping card usage under 30% lifts it in months. Checking it yourself never hurts it.
Lenders cap your total EMIs at roughly 40–55% of your take-home. Staying under it keeps approvals easy and life comfortable.
On a 20-year home loan, one additional EMI each year can cut 2–3 years off your tenure and save lakhs — no drama required.
Each application is a hard enquiry that can dent your score. Let one soft check compare lenders first, before any hard pull.
A top-up on your home loan is usually 4–6% cheaper than a personal loan. If you already have a home loan, it's often the smarter route.
"They ran the numbers and told me a transfer wasn't worth it for my remaining tenure. First time anyone in finance told me not to do something."
Client, RR Nagar · Home Loan
"Compared several lenders, explained everything without any pressure, and handled the paperwork at home."
Client, Whitefield · Balance Transfer
"The doorstep documentation saved us days of running around. Calm, clear, no jargon."
Client, JP Nagar · LAP
Shared with consent. Specific savings figures are omitted because outcomes vary by profile.
No fee, no obligation, no script. Just an honest look at your situation — and we'll tell you if there's nothing to do.
Mon–Sat, 9 AM – 6:30 PM · Bengaluru & nearby
Tell us a little, and an advisor will call you back.
No. Our advice, comparisons, documentation help and doorstep service are free to you. We're paid a referral fee by a lender only if you choose to take or switch a loan through us — and nothing if you stay put or ask your own bank.
Yes, regularly. If your rate is already fair, or too little tenure remains for the savings to beat the switching cost, we'll tell you to stay put — even though that earns us nothing. That's the point of us.
No. The soft check we do to see your options is not a hard enquiry and does not affect your score. The belief that it does is exactly what stops people from ever checking whether they're overpaying.
No. KEOFIN is a loan advisory and facilitation platform (a Direct Selling Agent) working with RBI-regulated banks, HFCs and NBFCs. We don't lend, and we don't give investment, tax or legal advice — for those we point you to licensed professionals.
We're building a service that reads a year of your bank statement and gives plain guidance, plus gentle WhatsApp check-ins only when something worth your while changes. It's rolling out carefully — ask us for early access and a human will set you up.
It's encrypted, used only to advise you and — with your say-so — to submit an application to a lender you choose. We never sell it or share it with lenders you haven't picked. Ask us to delete it anytime.
