Home Loan Health Check
Find out if you're paying too much interest, taking longer than expected to repay your loan, or missing an opportunity to save money.
Common questions
Is the LoanHealth assessment free?
The core LoanHealth assessment is currently available at no charge. If we introduce paid services, partnerships or referral arrangements, the relevant commercial relationship will be clearly disclosed before you choose to use that service.
Do I need any documents?
No. The initial assessment uses the information you provide. No loan documents are required.
Does LoanHealth access my CIBIL report?
No. LoanHealth currently does not fetch your credit report or loan details from CIBIL or make a CIBIL enquiry. If you don't know your CIBIL score, you can choose to check it directly with CIBIL and provide the relevant information to LoanHealth.
Does using LoanHealth affect my CIBIL score?
No. LoanHealth does not make a CIBIL enquiry or access your CIBIL report as part of the current assessment.
Your Diagnosis
Understand what we found about your loan.
Your Diagnosis
Understand what we found about your loan.
Part 1 — Rate Diagnosis
Part 2 — Repayment Diagnosis
Your Next Steps
Practical actions based on your result.
Your Next Steps
Practical actions based on your result.
Get your personal LoanHealth report
A personal report of your home-loan diagnosis, recommended next steps and potential savings, for you to review at your convenience.
About LoanHealth
Who We Are
Built on banking experience. Designed for borrowers.
LoanHealth is founded by banking professionals with more than two decades of experience in banking and credit.
With hands-on experience in lending and credit, we understand how home loans work and the challenges borrowers can face when trying to understand whether their existing loan is working efficiently for them.
We created LoanHealth to bring that experience to borrowers through a simple, transparent and technology-driven home-loan health check.
Our belief is simple: You should understand your home loan before deciding what to do next.
What We Do
Understand your loan. Then decide.
Analyse — the loan details you provide.
Diagnose — identify areas that may deserve attention, such as interest rate, repayment path and optimisation opportunities.
Explore — show applicable scenarios so you can understand options before deciding what to explore next.
You remain in control of what you do next.
LoanHealth provides information and estimates to help you understand your home loan. It does not constitute financial, legal or investment advice.
How It Works
01 Enter your details
02 Get your diagnosis
03 Understand the opportunity
04 Decide what to explore next
LoanHealth is designed to help you understand your existing loan before making a decision.
How We Earn
The core LoanHealth assessment is currently available at no charge. If we introduce paid services, partnerships or referral arrangements, the relevant commercial relationship will be clearly disclosed before you choose to use that service.
At present, LoanHealth does not earn revenue from your assessment.
We do not currently share your details with banks or lenders. We also do not make calls to you unless you have asked us to contact you. If our policy regarding sharing information or contacting you changes in the future, we will clearly inform you before the change applies.
Your Information Matters
LoanHealth works with the information you choose to provide.
LoanHealth does not fetch your loan details from your bank or your credit report from CIBIL, and LoanHealth does not make a CIBIL enquiry.
You choose what information you share with LoanHealth.
If you don't know your CIBIL score, you can choose to check it directly with CIBIL. LoanHealth does not access your CIBIL report as part of this assessment.
We use the information you provide to perform your assessment, generate your report and provide services you request. Some parts of the service use third-party infrastructure providers to process or store information.
We do not currently share your details with banks or lenders, and we do not make calls unless you have asked us to contact you.
Terms of Use
By using LoanHealth and the Home Loan Health Check at loanhealthcheck.in, you agree to these terms.
Information and estimates only. LoanHealth provides information and estimates to help you understand your home loan. It is not financial, legal or investment advice, and it is not an offer, approval or commitment from any bank or lender.
Your inputs. Results depend on the information you provide and the assumptions shown in your assessment. Please provide accurate information.
No guarantee. Figures are estimates and are not guaranteed. Please verify all figures and terms with your lender before making any decision.
Availability and pricing. The core assessment is currently available at no charge. If paid services are introduced, the commercial relationship will be clearly disclosed before you choose to use them.
Changes. We may update the service or these terms from time to time.
Frequently Asked Questions
What is LoanHealth?
LoanHealth is a home-loan health check that helps you understand your existing loan, identify areas that may deserve attention, and explore possible ways to improve your repayment position.
Do I need any documents?
No. The initial assessment uses the information you provide. No loan documents are required.
Is the LoanHealth assessment free?
The core LoanHealth assessment is currently available at no charge. If we introduce paid services, partnerships or referral arrangements, the relevant commercial relationship will be clearly disclosed before you choose to use that service.
Does LoanHealth access my CIBIL report?
No. LoanHealth currently does not fetch your credit report or loan details from CIBIL or make a CIBIL enquiry. If you don't know your CIBIL score, you can choose to check it directly with CIBIL and provide the relevant information to LoanHealth.
Does using LoanHealth affect my CIBIL score?
No. LoanHealth does not make a CIBIL enquiry or access your CIBIL report as part of the current assessment.
Does LoanHealth recommend that I transfer my home loan to another lender?
LoanHealth helps you understand your existing loan and identify areas that may deserve attention. It does not make the decision for you or require you to transfer your loan.
Can LoanHealth help me negotiate a lower interest rate with my bank?
The current LoanHealth assessment helps you identify whether your interest rate may deserve attention and what you could explore next. It does not negotiate with your lender on your behalf.
Can LoanHealth help me with a home-loan takeover or balance transfer?
LoanHealth's focus today is helping you understand your existing loan. It does not negotiate with lenders or arrange balance transfers.
Are the savings shown by LoanHealth guaranteed?
No. The figures are estimates based on the information you provide and the assumptions shown in your assessment. Actual savings may differ depending on your lender, future interest rates, repayment behaviour and other factors.
Do I have to take any action after getting my report?
No. The purpose of LoanHealth is to help you understand your loan and possible opportunities. What you do next is entirely your decision.
How can I contact LoanHealth?
For questions, support or feedback, you can contact us at support@loanhealthcheck.in. For privacy-related requests, contact privacy@loanhealthcheck.in.
Contact
Questions, support or feedback: support@loanhealthcheck.in
Privacy-related requests: privacy@loanhealthcheck.in
Privacy Policy & Data Use
1. Who we are
LoanHealth provides the Home Loan Health Check service through loanhealthcheck.in. For privacy-related requests, contact privacy@loanhealthcheck.in. For general service support, contact support@loanhealthcheck.in.
2. What information we collect
We collect the information you voluntarily provide in the health check form (such as Name, City, Loan Amount, EMI, Rate, Remaining period, CIBIL category, Lender, and Savings amount). If you request the detailed report, we also collect your mobile number and your preferences for reminders and future notifications.
3. Why we collect it
We use this information to perform your Home Loan Health Check, calculate your diagnosis, generate your report, and deliver it to you. If you explicitly opt-in, we use it to provide requested reminders or notify you about the future Detailed Loan Health Check. We also use aggregated, non-personally identifiable data to operate and improve the service.
4. How we process and share data
Your report data is processed securely and may be transmitted to third-party infrastructure (such as Google Apps Script / Cloud databases) required to operate the service and store your requests. We may share information with service providers where reasonably necessary to operate the service. We do not sell your personal financial data to third-party marketing agencies.
5. Data Retention & Your Rights
LoanHealth retains information only for as long as reasonably necessary to provide the requested services, operate the service, meet applicable legal or regulatory requirements, resolve disputes, and maintain appropriate business records. Where applicable, users may request access, correction or deletion of their personal information, or withdraw consent where consent is the applicable basis, by contacting privacy@loanhealthcheck.in.