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Asli EMI samjho.RBI ke rights jaano.
India's first borrower-side toolkit — true APR, harassment rights, CIBIL recovery. Free, anonymous, RBI-aware.
You're in the right place
What's going on right now?
Free, anonymous, no signup. Pick one — we'll walk you through it step by step.
- They're calling & threateningStop the harassment
Draft an RBI complaint in 3 minutes. Anonymous.
Start now - My EMI feels wrongSee the real APR
Reveals hidden fees and the honest yearly rate.
Start now - I can't pay this monthPlan a way out
Settlement or restructuring script — pick what fits.
Start now
Not sure? Chat with HeyZ — it'll ask a few questions and point you the right way.
// module 02
EMI Truth Calculator
Apps quote you a flat fee or "monthly rate". RBI requires they disclose APR on what you actually receive. Most don't. We do.
- Newton-Raphson IRR on the real cashflow series
- Includes processing fee, GST, and tenure
- Anything > 36% APR = subprime. > 100% = predatory.
True APR
276.4%
Predatory
You actually got
₹9,410
Real cost
₹2,390
Repayment after 30d
₹11,800
Processing fee
₹500
Numbers tell our story
Built for India's 200M+ digital borrowers
200M+
Indians using digital lending. [Source: RBI Trend & Progress 2024]
Thousands
Of borrowers harassed every month by unregulated app collections.
60%+
Of borrowers don't know RBI Sachet exists.
7 yrs
How long a 'Settled' status haunts your CIBIL. Restructuring is better.
Everything you need. All free.
No upsell, no signup wall, no data sold — which is exactly why we can tell you to avoid a lender.
Escape the Payday loanPriority access · Coming soon
One EMI. Lower APR. Human help. Join the waitlist for our consolidation rescue programme.
Sahi Rate – Reset Karo
Evidence-backed grounds + a lender-ready email to get your personal-loan interest rate cut. 5 minutes, free, no signup.
EMI Truth Calculator
Loan app's flat fee + 'small interest' = often 100%+ APR. Get the honest number in 5 seconds.
Loan App Reviews
Verified intel on 30+ apps — APR ranges, red flags, RBI status. Know before you tap Apply.
Harassment Checker
Upload screenshots / call logs. Drafts a starting template — review with a lawyer before filing.
AI Borrower AssistantLive
Stuck on settlement, EMI default, or wrong CIBIL entry? Chat through your situation in plain English.
Community
Anonymous-friendly. Real borrowers, real outcomes. Search by app, lender, or situation.
CIBIL Recovery
Score-band action plans, dispute letter generator, 12-month recovery roadmap. No bullshit timelines.
Learn
Cornerstone guides on RBI rights, true APR, settlement vs restructuring. Written for humans.
Trust & Privacy
DPDP-compliant. PII auto-redacted. Uploads auto-purged in 30 days. Export or delete anytime.
- Rate cut from 22% → 15% — Sahi Rate, Salaried · Bengaluru, 2 min ago
- RBI Sachet complaint drafted — Harassment, Anonymous · Delhi NCR, 6 min ago
- True APR 309% flagged before signing — EMI Truth, Self-employed · Pune, 11 min ago
- 'Settled' tag dispute filed — CIBIL, Salaried · Hyderabad, 18 min ago
- Processing fee refund secured — Sahi Rate, Salaried · Mumbai, 24 min ago
- Contact-list shaming reported — Harassment, Anonymous · Chennai, 32 min ago
- Hidden ₹1,180 in fees found — EMI Truth, Student · Kolkata, 41 min ago
- Wrong write-off cleared — CIBIL, Business · Ahmedabad, 55 min ago
- Personal loan rate cut 3.5% — Sahi Rate, Salaried · Gurugram, 1 hr ago
- 11 pm calls flagged as breach — Harassment, Anonymous · Jaipur, 1 hr ago
New module drops. Real borrower wins.
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