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Check my loan

Upload the loan summary your lender gave you. We tell you if anything looks wrong, in plain words.

Upload my loan summary (PDF)

It is called a Key Fact Statement (KFS). Lenders give it with a new loan. We read it in your browser and never upload it.

Or type the basics

Type of loan Loan amount (₹) Loan period (years) Interest rate (% a year) Your EMI (₹)Optional. It helps us spot hidden costs.

Fees and charges (we fill these from your summary)

Is the rate fixed or floating? Real yearly cost (APR) shown on the summary (%)Leave empty and we work it out. Processing fee (₹) Insurance charged with the loan (₹) Charge for a late EMI (%) That charge is per Charge to pay the loan off early (%)Put 0 if there is none. When was the loan sanctioned? Amount you still owe now (₹)Empty means the full amount. Years leftEmpty means the full period.

How a lender may see you

Three quick questions. This tells you how to pay a lower rate.

Credit scoreNot sure? You can check it free in most banking apps. Payments in the last 2 years Credit card use

More about you (optional)

Or read these from your credit reportChoose report PDFFrom CIBIL, Experian, CRIF or Equifax. Read in this browser.

Loan or card applications in the last 6 months Length of credit history Job or income stability Monthly take-home income (₹) All EMIs you pay each month (₹, including this one) EMIs as a share of incomeFilled in for you if you add the two boxes above.

This is an estimate to help you ask better questions. It is not advice, and it does not say a lender has done anything wrong. Each lender has its own scorecard; ours is only an example. Rates come from lenders' published ranges (2026-10-17). Your documents stay in this browser.

Common questions

What is a Key Fact Statement?

A standard sheet RBI requires lenders to give before you sign. It shows the annual percentage rate, fees, EMI, tenure and total repayment in one place.

Do I need my credit report too?

It helps. Your score decides which rate you can ask for, so we compare the two.