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// transparency
How Sahi Rate – Reset Karo decides.
The whole logic is here. No hidden scoring, no proprietary index.
The seven evidence levers
Lever 1 · Strong (verified) or Soft (self-declared)
CIBIL improvement since sanction
Score is materially higher (≥30 points) than when the loan was sanctioned. Verified from a bureau report you upload.
Lever 2 · Strong (verified from bureau)
Clean repayment record
No DPD, no missed EMIs in the past 12 months on this loan.
Lever 3 · Strong (regulatory)
Regulatory benchmark moved
EBLR/MCLR your loan is linked to has moved down since sanction, but your rate hasn't.
Lever 4 · Strong (commercial)
Competing written offer in hand
A lower-rate, in-principle offer from another lender — for the same loan amount and tenure.
Lever 5 · Foundation (must be true)
Tenure remaining > 6 months
Enough runway left that a rate cut materially reduces your total cost.
Lever 6 · Strong (regulatory)
APR mismatch in your KFS
The APR your lender disclosed doesn't match the EMI/fees they're charging — a regulatory red flag.
Lever 7 · Soft (relationship)
Long-standing customer
12+ months with this lender, multiple products, no defaults.
The three letter templates
| Template | When it fires | Addressed to |
|---|---|---|
| Commercial | You have a competing written offer or CIBIL improvement | PNO / customer service |
| Regulatory | APR mismatch or benchmark misalignment | Principal Nodal Officer, cc grievance |
| Soft ask | Only Foundation + Soft levers fired | Customer service |
Our rules
- ●If we'd send a weak letter, we don't send one. NONE is an answer.
- ●We never auto-send. The mailto: handoff puts the draft in YOUR email app — you press send.
- ●We don't fabricate facts. Every claim in the letter maps to a lever you can defend.
- ●We don't ask for your PAN, Aadhaar, or full account number. We strip them if they slip into a PDF.
- ●We don't take a cut. There's no referral commission from any lender.