Ekatra: Home Loan Refinance

Whixic Technologies Pvt Ltd

About this app

Paying more home loan EMI than you should? You are not alone, most Indians are — and don't know it.

The average middle-class household in India overpays ₹5,000 to ₹15,000 per month on their home loan. Interest rates drop. Banks stay quiet. Better offers exist at HDFC, SBI, ICICI, Axis, Bank of Maharashtra or others — but nobody is comparing them for you.

Ekatra does. For free.

WHAT EKATRA DOES:
Link your accounts and in under 5 minutes we tell you exactly how much you're overpaying on your home loan — and take over the refinancing for you, end-to-end.

FIND YOUR SAVINGS:
- Compares your current rate against today's MCLR and repo-linked rates
- Factors in your CIBIL score, employer tier, income stability, and bank relationship
- Shows you a ranked shortlist of the top 3 banks most likely to approve you
- Tells you "why this rate?" — full transparency, no black box

WE HANDLE THE BANK:
- Auto-generated refinance application pack
- Human team that calls the branch, negotiates, and follows up
- Escalation to nodal officers and the banking ombudsman if needed
- You do nothing except approve the fix

100% FREE. NO CATCH:
- No subscription
- No hidden fees
- No commissions from banks
- No insurance or mutual fund product-pushing
- No "come back when you have ₹5 crore"

We're starting free because we want to prove the value before we ask for anything. Built for India's middle class, not the top 1%.

WHO EKATRA IS FOR:
- Salaried professionals paying an EMI on a home loan
- Self-employed borrowers frustrated with opaque bank pricing
- Anyone who hasn't re-checked their home loan rate in 2 or more years
- Families wanting one clear view of their money — loans, investments, taxes, insurance

HOW IT WORKS:
1. Sign up in under a minute
2. Link accounts securely via Account Aggregator (RBI framework)
3. Get your savings estimate in under 5 minutes
4. Tap approve — we handle the bank, the paperwork, and the follow-ups

YOUR DATA IS SAFE:
Ekatra uses RBI's Account Aggregator framework — the same consent architecture used by every major Indian bank. Your data is encrypted, consent-based, revocable anytime, and never sold.

WHAT'S NEXT:
Home loan refinance is our starting point. ekatra is being built as a complete AI-powered financial co-pilot for Indian households. Coming soon:
- Income tax optimization (ELSS, 80C, HRA, capital gains)
- Insurance audit — find and exit mis-sold policies
- Investment portfolio restructuring
- Unified dashboard across every bank, broker, and financial account

Questions or feedback? [e-mail]
Learn more: https://www.joinekatra.com

What’s new

Welcome to Ekatra — a free AI-powered home loan refinance co-pilot for India's middle class.

This first release includes:
- Secure account linking via RBI Account Aggregator
- Your home loan overpayment calculated in under 5 minutes
- Auto-generated refinance application pack
- Human team to handle the bank on your behalf
- Zero subscription, zero commissions, zero hidden fees

Got feedback or a rough loan story? [e-mail] — we read every message.