MrigashiraEvery loan vetted, every costly clause caught.
A loan is the 1 financial product where the fine print can cost you more than the headline number. Loan planning means reading that fine print before you sign, fixing the expensive loans you already have, and settling the oldest question in personal finance, should I prepay the loan or invest the money, with arithmetic instead of opinions.
The assessment is free.
What you get
- Every existing loan reviewed for rate, penalties, and hidden clauses
- The prepay-versus-invest decision, settled with real numbers
- Every new loan vetted before you sign anything
- Refinancing checked whenever rates move in your favour
What is loan planning?
It is managing the borrowing side of your life as carefully as the investing side. For most families the home loan EMI is the single largest monthly outflow, larger than any SIP, and yet it gets a fraction of the attention. A half-percent difference on a home loan is worth lakhs over its life. That is what we go looking for.
It also means keeping debt in its place. Some loans build your life, a fairly priced home loan, an education loan. Some quietly eat it, personal loans taken to cover lifestyle, new loans taken to pay old ones. 1 in 4 Indian borrowers is caught in that second cycle. Loan planning is how you stay out of it, or get out of it.
How we help you with loan planning.
Reviewing the loans you already have
We go through each loan's actual terms, the interest rate versus what the market charges today, the prepayment penalties, the reset clauses on floating rates, the insurance the bank quietly bundled in. Then you get a simple verdict per loan: keep it, renegotiate it, refinance it, or clear it early. Most people find at least 1 expensive surprise in this review.
Prepay or invest, decided properly
Extra money in hand, and everyone has an opinion, prepay the loan, no, invest it. We replace the opinions with your numbers: the loan's after-tax cost against what the money can reasonably earn, plus the honest value of sleeping better with less debt. The answer differs from person to person, and we show you yours.
Vetting new loans before you sign
Before you commit to any new borrowing, we read the offer the way a credit analyst reads a bond, the true all-in cost, the processing fees, the foreclosure rules, the clauses that only bite later. 10 minutes of reading before signing has saved our clients more than years of investing cleverness.
Catching refinancing windows
Rates move, your credit profile improves, and the loan that was fair 3 years ago becomes expensive today. We keep an eye on that gap, and when switching lenders or renegotiating is clearly worth it after all costs, we tell you, with the savings worked out in rupees, not percentages.
What actually changes.
Drawn from real advisory work, the details are an illustration, not a promise.
| Situation | With a plan | Without 1 |
|---|---|---|
| The home loan | Rate benchmarked against today's market, refinanced when the saving is real, often lakhs over the tenure. | The same EMI paid for years without anyone checking what the market charges now. |
| A bonus arrives | A worked-out split between prepaying the loan and investing, based on your actual rates. | Whatever the loudest opinion at dinner said, often the costlier choice. |
| A new loan offer | Fine print read before signing, penalties, resets, and bundled insurance caught in advance. | Signed on the headline rate, with the surprises arriving over the next 10 years. |
This is 1 pillar of 1 plan.
We do not sell loan planning separately, and honestly, it would not work as well alone, your investments, insurance, cards, loans, and retirement all affect each other. Everything on this page is part of the 1 plan you get for 1 flat annual fee.
Honest answers about loan planning.
It genuinely depends on your numbers, the loan's after-tax interest cost, what your investments can reasonably earn, and how much the debt weighs on you. We put those 3 things on 1 page for your situation and the answer usually becomes obvious. What we will not do is give you a 1-line rule, because the 1-line rules are wrong for about half the people who follow them.
No, we do not arrange or sell loans, and no lender pays us anything. What we do is make sure any loan you take is priced fairly, structured sensibly, and free of clauses that will hurt you later. We sit on your side of the table, which is exactly the point.
With a list, honestly. We lay every loan out, balance, rate, penalty terms, and then order the cleanup: costliest debt first, refinancing where it helps, consolidation where it simplifies. A pile of loans feels like chaos; on 1 page it becomes a sequence of small, doable steps.
Start with the free part.
Each assessment takes about 9 minutes and costs nothing. See what it says about you, then decide if you want the full plan.
The assessment is free.