Asli EMIsamjho.RBI ke rights jaano.
India's borrower-side toolkit — true APR, harassment rights, CIBIL recovery. Free, anonymous, RBI-aware.
Everything you need.
No referrals. No paid placements. No tracking.
Loan app's flat fee + 'small interest' = often 100%+ APR. Get the honest number in 5 seconds.
Verified intel on 30+ apps — APR ranges, red flags, RBI status. Know before you tap Apply.
Upload screenshots / call logs. Drafts a starting template — review with a lawyer before filing.
Stuck on settlement, EMI default, or wrong CIBIL entry? Chat through your situation in plain English.
Anonymous-friendly. Real borrowers, real outcomes. Search by app, lender, or situation.
Score-band action plans, dispute letter generator, 12-month recovery roadmap. No bullshit timelines.
Cornerstone guides on RBI rights, true APR, settlement vs restructuring. Written for humans.
DPDP-compliant. PII auto-redacted. Uploads auto-purged in 30 days. Export or delete anytime.
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.
Indians using digital lending. [Source: RBI Trend & Progress 2024]
Of borrowers harassed every month by unregulated app collections.
Of borrowers don't know RBI Sachet exists.
How long a 'Settled' status haunts your CIBIL. Restructuring is better.
New module drops. Real borrower wins.
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