Ekatra: Home Loan Refinance
Cut your home loan EMI today
Free · Designed for iPad. Not verified for macOS.
Stuck with a high home loan EMI? Ekatra finds you a cheaper rate and our advocates handle the refinancing end-to-end. Free. Zero commission.
Paying more EMI than you should? You probably are — and you're not alone.
Most Indian households overpay ₹5,000–₹15,000 every month on their home loan. Interest rates drop, banks don't tell you. Better offers exist, but no one's looking out for you. We know, because it happened to our own families — ₹12 lakhs lost on a single home loan, for a rate that had been sitting lower for years.
Ekatra fixes that. For free.
WHAT EKATRA DOES
Connect your accounts securely, and in under 5 minutes we show you exactly how much you're overpaying — and help you fix it end-to-end.
• Find the gap — We analyze your home loan against current market rates, your CIBIL, your employer tier, and lender-specific pricing to pinpoint your overpayment to the rupee.
• Prepare the fix — Our AI builds your refinance application and shortlists the top 3 banks most likely to approve you at the best rate.
• Handle the hard part — Our team follows up with branches, negotiates rates, and pushes your case through. You don't chase anyone.
IS IT REALLY FREE?
Yes. No subscription. No hidden fees. No commissions from banks. No product-pushing. We're starting free because we want to earn your trust before we earn anything else. That's the entire pitch.
WHO IT'S FOR
• Salaried professionals with an active home loan
• Self-employed borrowers tired of opaque bank pricing
• Anyone who hasn't checked their rate in 2+ years
• Families who want an honest view of where their money is going
HOW IT WORKS
1. Sign up in 60 seconds
2. Link your accounts via Account Aggregator (RBI-regulated, bank-grade secure)
3. Get your savings estimate in under 5 minutes
4. Approve the fix — we handle the bank
YOUR DATA IS SAFE
We use RBI's Account Aggregator framework — the same rails used by HDFC, ICICI, and every major Indian bank. Consent-based, encrypted, never sold, never shared.
WHAT'S COMING NEXT
Home loans are the wedge. Ekatra is being built as a complete financial co-pilot for India's middle class. Upcoming:
• Tax optimization (ELSS, 80C, HRA planning)
• Detect and fix mis-sold insurance policies
• Investment and portfolio restructuring
• One unified view of every account your family holds
Stop overpaying. Start with Ekatra.
Questions, feedback, or just want to say hi? prannay@joinekatra.com
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Ekatra, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Whixic Technologies Private Limited
- Size
- 38.1 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
16+
- 16+
- Copyright
- © 2026 Whixic Technologies Pvt Ltd