Reduce your monthly EMI across all loans with AI.
EMIvana scans every active loan you carry - home, personal, credit card - and engineers the lowest possible monthly outgo using refinancing, balance transfer and prepayment intelligence.
See your EMI drop in real-time
Add your active loans. Our optimization engine instantly models the lowest possible monthly outgo.
Your active loans
Auto-fetched via Account Aggregator (RBI)- Home loan balance transfer to HDFC @ 8.3%
- Personal loan refinance with ICICI @ 11.2%
- Credit card debt consolidation into low-rate PL
- Credit score impact: +42 points in 6 months
How the AI works
No jargon. Just smart, data-driven decisions tuned to Indian lending.
Connect your loans
Add manually or fetch via RBI's Account Aggregator framework - zero paperwork.
AI runs 1000s of scenarios
Our engine simulates refinance, balance transfer, prepayment and consolidation paths across 30+ lenders.
Get your savings plan
A clear, ranked plan with monthly EMI cut, total interest saved, and credit score projection.
Execute in one click
We route you to the right lender and our experts close the paperwork end-to-end.
A clear picture of every rupee saved.
EMIvana shows exactly which loan moved, why, and how much you'll save over the life of every borrowing. No black box - full transparency and control.
- Side-by-side EMI breakdowns
- Lifetime interest saved projection
- Credit score impact simulator
- One-click rollback if you change your mind
Try the full engine for ₹1.
Most users save 10–40x their subscription in the first month alone. If we can't surface savings, you don't pay.
Full AI scan, complete optimization plan, expert advisor call. No commitment.
- Full loan optimization scan
- Lender recommendations
- Personal advisor on call
Continuous re-optimization as rates change. New offers, fresh recommendations, every month.
- Monthly EMI re-optimization
- Real-time rate alerts
- Credit score monitoring
- Priority lender access
We also partner with leading RBI-regulated lenders to bring you the best offers - when you choose to refinance, we may earn a referral fee, which keeps your subscription this affordable.
Start for ₹1Trusted by India's smartest borrowers
RBI-aligned. ISO 27001 hosted. Your data never leaves Indian servers.
"Cut my monthly EMI by ₹19,200. The expert callback was within 20 minutes - felt like having a CFO for my personal finances."
"I was paying 38% on revolving credit. EMIvana moved it into a 12% personal loan. Single biggest financial decision I made this year."
"Saved ₹14L in interest over the remaining tenure. The before/after dashboard made the decision a no-brainer."
Optimization playbooks
Pick a starting point. The AI handles the rest.
Home Loan Balance Transfer
Move to a lower rate. Save lakhs over tenure.
Personal Loan Transfer
Cut interest by up to 7% with a smarter lender.
Reduce EMI Without New Loan
Tenure tweaks, prepayment, restructuring.
Loan Refinancing India
End-to-end refinancing playbook for every loan type.
Improve Credit Score
Optimize your debt mix and watch your score climb.
AI loan optimization - related topics
The vocabulary every Indian borrower should know before optimizing their loans.
AI EMI optimizer - Engine that models thousands of refinance and prepayment paths to cut your monthly EMI.
Home loan transfer - Move your housing loan to a lender with a lower interest rate.
Personal loan refinance - Close a high-rate PL with a cheaper one and save on interest.
Credit card consolidation - Roll revolving 36-42 percent APR card debt into a single low-rate loan.
CIBIL score boost - Lift your bureau score by restructuring utilization, mix and age signals.
RBI regulated lender - Bank, NBFC or HFC supervised by the Reserve Bank of India.
Account aggregator - Consent-based RBI framework to auto-fetch your loan and bank data.
Balance transfer - Switching outstanding principal from one lender to another at a lower rate.
EMI calculator India - Tool that shows monthly instalment for a given amount, rate and tenure.
Get your personalized EMI plan today.
Free AI analysis. Expert advisor call within 30 minutes. Zero credit score impact.
- ✓ Free AI analysis across all your loans
- ✓ Compare offers from 30+ RBI-regulated lenders
- ✓ Zero impact on your credit score