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SahiSujhav — Loan transparency and borrower rights platformSahiSujhav
India's borrower-side toolkit · Free for life

Asli EMI samjho.RBI ke rights jaano.

India's first borrower-side toolkit — true APR, harassment rights, CIBIL recovery. Free, anonymous, RBI-aware.

  • No personal data required
  • No login required
FreeAnonymousDPDP-compliantRBI-awareBuilt independently of every lender

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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.
Principal advertised
₹10,000
₹1,000₹50,00,000
Processing fee (all-in)
₹500
₹0₹1,000
Include GST if your lender charges it separately.
Tenure
30 days
1 days3650 days
Rate of interest
18.0%
0%60%
Charged per

True APR

276.4%

Predatory

You actually got

₹9,410

Real cost

₹2,390

Repayment after 30d

₹11,800

Processing fee

₹500

Principal vs Cost
80% Principal20% Cost
Predatory
RBI baseline ≈ 14% APR. Above 36% — rethink it.

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.

Tools that actually help

Built free for borrowers. No upsell, no signup wall, no data sold.

Personal loan rate cut

Sahi Rate – Reset Karo

Evidence-backed grounds + a lender-ready email to get your personal-loan interest rate cut. 5 minutes, free, no signup.

Open
Asli EMI dekho

EMI Truth Calculator

Loan app's flat fee + 'small interest' = often 100%+ APR. Get the honest number in 5 seconds.

Open
RBI-registered ya nahi?

Loan App Reviews

Verified intel on 30+ apps — APR ranges, red flags, RBI status. Know before you tap Apply.

Open
Bandh karo harassment

Harassment Checker

Upload screenshots / call logs. Drafts a starting template — review with a lawyer before filing.

Open
Ghabrao mat, baat karo

AI Borrower AssistantLIVE

Stuck on settlement, EMI default, or wrong CIBIL entry? Chat through your situation in plain English.

Open chat
Tum akele nahi ho

Community

Anonymous-friendly. Real borrowers, real outcomes. Search by app, lender, or situation.

Open
Score wapas laao

CIBIL Recovery

Score-band action plans, dispute letter generator, 12-month recovery roadmap. No bullshit timelines.

Open
Pehle samjho, phir karjo

Learn

Cornerstone guides on RBI rights, true APR, settlement vs restructuring. Written for humans.

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Tumhara data, tumhara haq

Trust & Privacy

DPDP-compliant. PII auto-redacted. Uploads auto-purged in 30 days. Export or delete anytime.

Open

Stay in the loop

New module drops. Real borrower wins.
One email a month. No spam.

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