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Is your loan APR fair?
We compute the true APR on your personal loan, place it on a four-band fairness scale, and draft the right letter to your lender — review, grievance, or regulatory.
- RBI-language letters
- 0 commissions
- Borrower-side only
Where your APR will land
Based on RBI's fair-credit baseline · same maths as our EMI Truth Calculator
Fair
≤ 14%
Elevated
14–36%
Subprime
36–100%
Predatory
100%+
Enter loan details manually
Takes about 2 minutes — amount, rate, fees, tenure.
RecommendedUpload your KFS
We auto-fill your loan terms from the Key Facts Statement.
No login. No personal data shared. No commission. Sahi Rate – Reset Karo is a borrower-side tool — we never send anything on your behalf.
What you walk away with
Same result whichever path you pick.
Your true APR
Computed with the actual cashflow method, not the lender's flat-rate marketing number.
A fairness verdict
Fair, Elevated, Subprime or Predatory — placed against RBI's own baseline, plainly explained.
A ready-to-send letter
Review, grievance, or regulatory-escalation — matched to your result, in RBI-recognised language.