For borrowers in India
Understand your loans.
Plan your money.
Make informed decisions.
See what every loan really costs, explore rate and prepayment scenarios, see where your money goes from your bank statement, plan goals for the whole family — and, if you run a business, see business loans alongside your own. In plain language.
Free plan · no card needed · delete your data anytime
A scenario, not a prediction. Your lender decides your rate.
How it works
- 1
Add your loans
Type in the details, or upload a sanction letter or statement and verify what we extract.
- 2
Understand the cost
See outstanding principal, remaining interest and where each EMI goes.
- 3
Explore scenarios
Try rate changes, prepayments and tenure changes. Compare before you act.
- 4
Plan and act
Keep EMIs and cash flow in view, check purchases, and prepare clear requests for your lender.
Everything about your loans, in one place
Loan intelligence
A clear review of each loan: what you owe, what's left in interest, and the principal-vs-interest split.
Rate review
Compare your current rate with a target rate and generate a polite, factual request letter to edit and send.
EMI calendar & cash flow
Every EMI across lenders in one calendar, with 3-, 6- and 12-month cash-flow projections.
Purchase planning
See how a car, home or big purchase changes your monthly budget with different down payments and tenures.
Scenario Lab
Step up your EMI each year, or see which loan a lump sum saves the most on — prepayment charges included.
Spending insights
Import your bank statement CSV to see where money goes, what repeats every month, and a forecast based on real spending.
Family & goals
Everyone's income, EMIs and loans in one household view, plus savings goals that show if you're on track.
Business & MSME
Business loans, cash credit and overdraft lines, business cash flow and working-capital scenarios — next to your personal finances.
Documents, reports & AI
Upload a sanction letter to fill in details, download PDF reports, and ask the AI assistant — every number comes from our calculations.
Your financial data, treated seriously
We store only what's needed to do the maths for you. You can see what we hold, export it, or delete it permanently at any time.
- Row-level security: every record is locked to your account in the database itself.
- Full loan account numbers are never stored — only the last 4 characters.
- Documents live in private storage, are checked before processing, and can be deleted anytime.
- Analytics never record your balances, income or account details.
Simple pricing
Start free. Upgrade when you want the detailed analysis. Prices include GST.
Free
Track one loan: EMI, what you still owe, interest ahead, EMI calendar and reminders.
- 1 loan
- EMI, what you still owe & interest ahead
- EMI calendar & email reminders
- Public calculators
Review
A 30-day detailed review of up to 5 loans: rate and prepayment scenarios, a bank letter, PDF report and AI answers.
- Up to 5 loans, for 30 days
- Detailed loan review & rate scenarios
- Prepayment analysis & Scenario Lab
- Bank request letters
- Loan review PDF report
- 5 document uploads
- 25 AI assistant questions
Plus
RecommendedYour whole money picture: loans, cash flow, goals, family, bank-statement insights and the AI assistant.
- Up to 15 loans
- Everything in Review
- Cash flow, purchase planner & alerts
- Goals & family view
- Bank-statement import & spending insights
- Financial planning PDF report
- 20 AI questions & 3 document uploads a month
Business
Everything in Plus, with business loans, cash credit / overdraft lines, business cash flow and a combined view.
- Up to 40 loans
- Everything in Plus
- Business loans, cash credit & overdraft lines
- Business cash flow & working-capital scenarios
- Personal + business combined view
- Business PDF report
- 50 AI questions & 10 document uploads a month
Questions
Will DeciLoan get my interest rate reduced?
No one can promise that — only your lender decides. DeciLoan shows what a different rate would mean for you, and helps you write a clear, polite request if you choose to ask.
Is this a lender or a loan marketplace?
Neither. We don't lend, sell loans, approve applications or take commissions from lenders. We help you understand and plan around the loans you have or are considering.
Do you connect to my bank account?
No. You enter details yourself, upload a loan document, or import a statement you downloaded from your own bank. Consent-based bank connectivity (Account Aggregator) will only launch once it's properly licensed and reviewed.
How accurate are the numbers?
Calculations use the standard reducing-balance method on the details you provide, rounded to the paisa. Lenders that charge daily interest or add fees may differ slightly — every screen shows its assumptions.
How does the AI assistant use my data?
It can only read your own data through fixed, read-only tools, and every number it gives comes from our calculation engine — not from the AI's imagination. It never decides anything for you.
Do prices include GST?
Yes. Every price shown includes 18% GST. Paid plans can be cancelled anytime — you keep access until the end of the period you paid for.
I run a small business. Is there something for me?
Yes. The Business plan adds business term loans, cash credit and overdraft lines, monthly business cash flow and working-capital scenarios — shown next to your personal finances without counting anything twice.
Can I delete everything?
Yes. You can export all your data or permanently delete your account and documents from your profile at any time.
Start with one loan. See it clearly.
It takes about two minutes, and you can delete everything whenever you like.
Create your free accountDeciLoan provides informational, analytical and planning assistance. It does not guarantee lender decisions, loan approvals, interest-rate reductions or financial outcomes. Please verify important decisions with your lender or a qualified professional.