Save money and time by knowing when and where to switch (or renegotiate) your Home Loan

Slash EMI provides Home Loan interest-rate alerts

Estimate Savings Now

For Loans with property value > = INR 50 Lakhs | Learn More

Home Loan Switch

Why Slash EMI

Rates keep Changing

Monthly updated rate

Home Loan rates across lenders keep changing. And that presents an opportunity to switch or renegotiate.

You are too busy

Get regular Alerts

Most Home Loan owners we spoke to, are too busy to track Loan rates regularly. We understand this.

Opportunity to save

Projected Savings

Home Loan EMIs are a big outflow. An opporutnity to reduce the EMI is a real opportunity to save.

Decide smartly

Personalized Calculations

Home Loan transfer takes effort. We calculate the savings so you decide if its worth a switch.

Get Slash EMI Now

Slash EMI Features

1. Home Loan Rate Alerts

Monthly alerts with updated Home Loan rates.
So that you don't have to track interest rates.

Pre-Calculated for your Loan.
Savings estimated for each option, so you can decide easily.

Stay EMI Healthy.
Keep your home loan at best rate. Always.
At Rs 499/- only (one time).

Note - the logos, bank names and offers in the image are for indicative purposes only

Home Loan Rate Alerts from Slash EMI
Note - the logos, bank names and offers in the image are for indicative purposes only

2. Personalized Loan Offers


Exclusive Home Owners Club.
Join our exclusive club of High Value Home (loan) owners in India.

Get personalized bids from top lenders.
Specific to your loan, property, CIBIL score.

100% Secure.
Lenders make offers basis Anonymized details are shared.

FAQs on Slash EMI

Every month, you will recieve an alert with Loan rates from across the lenders. Moreover, these rates would have been applied on your outstanding loan, to calculate the $$ and tenure savings, you may get from the switch.
Use these alerts to
1. Decide when to switch or
2. Re-negotiate with your existing lender

Completely agree. Switching a home loan is a considered decision. We do NOT recommend, a switch unless the cost-benefit analysis adds up.
Our members use the Slash EMI reports smartly in two ways

  • Negotiate with your existing lender. The market rates empower you in your discussions
  • Choose when to switch - our reports recommend when the rate difference is significant.

Post Apr 2016, the new loans are on MCLR + spread. Ealier loans (if not shifted) would still be on Base Rates.
The rates we track are the best rates from the lender - typically rates available to consumers with high CIBIL/Bureau scores.

Currently No. But within a few months, Slash EMI will also provide loan switch assistance in top 8 cities of India.
Note: We will NOT sell leads to banks/DSAs without your explicit interest in a switch.
Also, with personalized offers, we get lenders to bid on anyonymized loan details, your personal information is NOT shared.

Good Question. 2 reasons:
1. The 499/- per loan helps sponsor our coffee and wifi
2. The price though low (our customers have typically 30L+ loan outstanding), helps filter those who see value in the offering. We do understand that some customers may not be ready for this

We are a unique club of high value home onwers who also have high CIBIL score. Membership to this club will open up many opportunities for its members including - Personalized Loan offers from banks.

How Slash EMI Works

  • 1. Share Your Loan Details

    Share your current Home Loan Details, like bank, pending loan amount, tenure of the loan and current rate of interest etc.

  • 2. Activate your account

    Activate the Slash EMI service on your account by paying Rs 499/-. One Time.

  • 3. Get Monthly Reports

    Get monthly customized reports with detailed analysis indicating if switch needed or not. Also notifications as and when rate changes are announced.