Moneyed · independent loan advisory
₹68,000 lands
on the 1st.
Three things happen to it, and only one of them is a decision most people ever make on purpose.
I just want the numbers →
moneyed
Save ₹12,000/mo on your EMIs
Optimize your debt, check CIBIL accurately, and plan your finances.
YOUR MONEYED WORKSPACE
A clearer view.
A smarter next step.
Your tools for borrowing, repayment and credit health, together.
WHAT THIS WORKSPACE DOES
Three things, and we say which we cannot do.
Read the month
Your bank statement and your CIBIL report, read the way a lender reads them. We do not link to your bank — you give us the file. The PDF stays on your device; only the text inside it goes to our reader, and nothing is kept.
- Every account on the statement
- What actually repeats each month
- Salary, and what the lender will count
- Your score, and what is dragging it
- Open and closed accounts
- Card utilisation
Example — not your data
₹82,000credited every month, same date
Salary, 3 months runningcounted
Two EMIs already running₹18,400
One bounce, Marchlender sees it
Read from the statement PDF you upload. The PDF itself stays on your device — only the text inside it is read, and none of it is saved.
UPCOMING · PENDING LICENCE
Every account, live, without asking you for a file
This needs the Account Aggregator framework, where a Financial Information User has to be an RBI-regulated entity or work through one. We are applying. Until that is in place we read the statement you give us, which works today and shows the same things.
- Balances across every bank
- Cards and their due dates
- Money in and out, by month
- Recurring debits found automatically
- Refreshes on its own
- Consent you can withdraw any time
All accounts₹2,84,300
In · this month₹82,000
Out · this month₹21,400
Card duein 3 days
Built and waiting. Nothing here is connected to anything yet, and no figure above is real — it is what the panel will show once the registration is in place.
Decide before you commit
We do not hold your money, we do not sell funds and we earn nothing if you invest. What we do is tell you what a plan is actually worth before you start one — in today’s money, not the brochure’s.
- SIP, and what it is worth after inflation
- FD maturity, and the TDS on it
- RD, PPF, EPF, NPS
- A bond is not a fixed deposit
- Goal planning
- Every figure downloadable
Example — not your data
₹1,44,995₹1,00,000 at 7.5%, five years, compounded quarterly
You put in₹1,00,000
Interest earned₹44,995
Effective yield9.00% a year
We are not investment advisers and nothing here is a recommendation. These are sums, not advice.
UPCOMING · PENDING LICENCE
Funds, stocks and FDs you already own, in one place
Showing or starting a mutual fund needs an AMFI ARN as a distributor, and advising on one needs a SEBI Registered Investment Adviser licence. We hold neither today, so the calculators plan and nothing here sells.
- Holdings across folios
- SIPs and their next dates
- Goal plans you can track
- FDs and maturity dates
- XIRR, not just absolute return
- One portfolio view
Portfolio value₹11,61,695
You put in₹6,00,000
Running SIPs3
Next instalmentin 6 days
Built and waiting. Nothing here is connected to anything yet, and no figure above is real — it is what the panel will show once the registration is in place.
The real cost, before you apply
296 rate cards across 45 lenders, compared on what the loan actually costs rather than the rate on the poster. Checking here puts no enquiry on your file; nothing is sent to a lender until you say so.
- 296 published rate cards
- APR where the fee is published
- “Not derivable” where it is not
- Balance transfer break-even
- Your employer’s grade
- No hard enquiry
Example — not your data
₹3,135saved every month by moving a ₹50L loan from 9.5% to 8.4%
Cost to switch₹35,000
Break-evenmonth 11
Then, for 14 years₹3,135 a month
A lender pays us when a loan is disbursed. It buys no position in the comparison — no lender has ever paid for one.
UPCOMING · NEEDS A LENDER PARTNER
Raise cash against your mutual funds without selling them
A loan against securities is lent by an NBFC, not by us — we are not a lender and never will be from our own balance sheet. This turns on when a lender partner is signed, and the rate will be theirs, shown in full.
- Pledge, do not sell
- Your units keep growing
- Interest only on what you draw
- A credit line, not a lump sum
- Every charge shown upfront
- Released when you repay
Against a ₹15L portfolioabout ₹6.8L
You drawonly what you need
Interest onthe drawn amount
Unitsstay invested
Built and waiting. Nothing here is connected to anything yet, and no figure above is real — it is what the panel will show once the registration is in place.
What we do not do. We cannot link to your bank accounts and keep them live — that is the Account Aggregator framework, and it is open only to RBI-regulated entities. We do not hold or sell mutual funds, stocks or insurance. We do not lend. Anyone who shows you a live balance is either regulated for it or should not be showing it.
The same loan, very different prices
VerifiedAcross every lender we track, this is the range of published rates for each loan type — cheapest on the left, dearest on the right. The gap is what comparing is worth.
Today's Best Loan Rates
Lowest published rates from India's banks & NBFCs
Rates verified
Rates and charges are the lenders' own published figures, reproduced as written — open "All charges & terms" on any card to see the source. What you are finally offered depends on your CIBIL score, income and the lender's policy on the day you apply.
Application Tracker
Track your loan applications in real time
No applications tracked yet.
Add your first one above.
Refer & Earn
Earn ₹500 per successful loan disbursal + ₹50 on signup
MNY-XXXXXX
0
Referrals
0
Active
₹0
Earned
Quick EMI Calculator
₹10,747
Monthly EMI
₹1.45L
Total Interest
₹6.45L
Total Payable
Money actually in your account
₹4,88,200
Processing fee + 18% GST
₹11,800
Effective rate (APR) once the fee is counted
11.09%
Principal 78%
Interest 22%
CIBIL Score
750
Run the CIBIL Analyzer to unlock your active accounts and credit history summary.
FOIR / Debt Burden
50%
Ideal: <40%
FOIR measures how much of your monthly income goes into paying fixed liabilities like rent & EMIs.
Consolidation Opportunity
——,———
Switch high-interest loans to lower ROI structures. Enter your loans in the calculator to view savings.
Why moneyed?
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Smart Debt Consolidation
Combine multiple expensive loans and credit card bills into one affordable, low-interest EMI.
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AI-Powered Lender Matching
This tool checks your profile against our own thresholds for 6 lenders and NBFCs. Those thresholds are our read of the market, not any lender's published rule, so take the result as a shortlist rather than an answer. The full underwriting rulebooks we hold — 17 lenders, 38 programmes between them — are what your adviser reads when your file goes to a lender. How we rank offers → Final underwriting and approval rest entirely with the lender.
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100% Secure & Private
Bank-grade 256-bit encryption. Your data is strictly protected under the DPDP Act and never shared without your explicit consent.
MAKE THE NUMBERS WORK FOR YOU
Your repayment, explained.
Change the inputs. See what changes in the monthly cost and total interest.
EMI Calculator
Calculate monthly payments, total interest, and payout breakups.
1k
1L
5L
10L
20L
50L
1Cr
5Cr
5%
36%
3 Mos
360 Mos
The day the money reaches you. The first EMI is not one month later — it falls on the 1st of next month, or the month after if you are disbursed on or after the 25th.
Your Monthly EMI
10,747
Principal Amount
5,00,000
Total Interest
1,44,817
Total Payable
6,44,817
Calculated repayment insight
Calculating optimal strategy...
THE MONEYED VIEW
What could improve this loan?
See the trade-off before choosing a lower EMI or a faster repayment.
Reducing-balance calculation with monthly payments and a constant rate. Excludes processing, transfer, insurance and prepayment charges. Savings shown are interest differences before fees; compare actual lender terms.
Balance Transfer & Debt Structuring
Calculate how much you can save by moving high cost debts to a consolidated structure.
NEW LOAN DETAILS
Total Interest Savings
53,231
Current EMI
11,634
New EMI
10,747
Monthly Saved
887 / mo
By restructuring, your overall loan interest burden drops, yielding a net positive cash flow immediately.
Is it actually worth switching?
A lower rate only pays once it has covered what the switch costs. Enter the two charges your lender quotes.
RBI’s 2025 directions bar foreclosure charges on floating-rate loans taken by an individual for a non-business purpose. If yours is one of those, this is zero — and if a lender still quotes it, ask them to put the clause in writing.
What switching costs
₹0
Fee plus foreclosure
Break-even
—
Months before you are ahead
Saving after costs
₹0
Over the whole loan
What it frees up every month
Before
—
After
—
Add your monthly income in your profile and this also shows what share of it your EMI takes, before and after.
FOIR (Fixed Obligation to Income Ratio)
Lenders check FOIR to decide your repayment capacity. Keeping it below 40% ensures high approval rates.
Total Monthly Obligations: ₹20,000
Your FOIR Score
37%
Safe Profile
Your fixed obligations constitute 37% of your net income. This is considered healthy, and you have significant borrowing bandwidth.
Moneyed AI Insight
Analyzing your profile...
Part-Payment Savings Calculator
See how making a lump sum part-payment reduces your total interest and loan tenure.
PART PAYMENT DETAILS
Total Interest Saved
0
Current Interest
0
New Interest
0
Tenure Reduced By
0 Months
Assume EMI remains the same. Part-payment directly reduces principal, shortening tenure.
Amortization Schedule
| EMI No. | Due date | Opening Bal | EMI | Part Payment | Interest | Principal | Closing Bal |
|---|
Hybrid Dropline Overdraft
Calculate interest based only on withdrawn amount. Understand limit drop schedules.
WITHDRAWAL DETAILS
Automatically synced to Total Approved Limit. Assume withdrawing this amount on Day 1.
Monthly Interest Payout (Month 1)
0
Fixed Period
36 Months
Limit at Month 48
0
Monthly Drop Amount
0
If your drawn amount exceeds the dropped limit at any point, you must deposit the difference immediately.
OD Usage Schedule
| EMI No. | Due date | DropLine Limit | Limit Drop | Available Limit | Opening Principal | Withdrawal | Part Payment | Installment | Principal | Interest | Closing Principal |
|---|
Fixed Deposit
What the deposit is actually worth at the end, and what the taxman takes on the way. Compounding frequency is an input because it changes the answer.
Maturity amount
—
You put in—
Interest earned—
Effective yield—
Year by year
Where the money sits at the end of each year, if nothing is withdrawn.
| Year | Opening | Interest earned | Closing |
|---|
Income Tax Calculator (FY 2025–26 | AY 2026–27)
A smarter alternative to the Govt. calculator. Compare Old vs New Tax Regime instantly.
Deductions (Only applicable in Old Regime)
Regime Comparison
Old Regime Tax
0
New Regime Tax
0
Includes 4% Health & Education Cess. Assumes individual below 60 years. Standard deduction 50,000 old regime, 75,000 new (FY 2025–26). 80D held to 25,000 and Sec 24 to 2,00,000. Tax rules last verified: July 2026.
Moneyed AI Insight
Analyzing your deductions...
Owner
Who is this for?
Enquiries that arrived and are on nobody's board. Claiming is gone — these are given, by name, and every assignment carries yours. Oldest first, because the oldest is the one that has been waiting.
Employee access
The Desk
Subah ka pehla screen. Chaar sawaal, chaar jawab: aaj kis par kaam karna hai, kya mere paas pada hai, kya chhod dena chahiye, aur kis par senior ka faisla baaki hai. Board sab dikhata hai — ye batata hai.
Employee access
Calling Desk
The board shows every card and leaves the choosing to you. Here the choosing is already done: whoever was promised a call longest ago rings first. One file on the screen, what they said last time, and the chips for what happened. Then Next.
Employee access
Console
The size of the month, where it is being lost, and who did what. Read-only: everything here is counted from the Case Desk's own board.
Employee access
Documents
Who is stuck, and on what. A file is only as complete as its evidence — but these counts say a document ARRIVED and who marked it, not that anybody read it, and never what was in it. Which documents a file needs depends on the product, the employment answer and whether it is a takeover.
Employee access
Reports
The month grouped by employee, product or lender. Logins are counted on the day they happened, so a file logged on the 3rd and sanctioned on the 20th still counts as a login — counting the column instead would make a good month look like a bad one.
Owner access
Commission ledger
What each disbursed file earns, and how far the money has got: raised, invoiced, part received, received, reconciled. A file arrives here once a manager records that the money moved; the commission is fixed when the row is raised, and a correction is a new row rather than an edit.
Employee access
Lead pipeline
Cold, warm, hot. What you can see here is decided by the database, not by this page — an agent sees their own calls, a manager their team, a head every team.
Employee access
Dashboard
Your day, in the order it has to be worked.
Lead generation
Case Deck
One page per case, in the shape a lender reads it — profile, income, obligations, the ask, and which lender it is going to.
Credit Appraisal Memo
Eligibility
The obligations workbook, live. Set the income, decide which loans to keep, take over or exclude, and every ratio moves with it.
No bureau report loaded yet
This memo is built from a parsed CIBIL report — the obligations, the EMIs and the conduct all come out of it. Upload one and this page fills itself in.
YOUR CREDIT, WITH CONTEXT
Understand the story behind your score.
Review reported accounts, payment history and enquiries. Check extracted details against your original report.
- UploadYour existing CIBIL PDF
- ReviewAccounts and extracted details
- ActUnderstand what to check next
CIBIL Report Analyzer
Upload your CIBIL PDF to instantly see your score, all active/closed accounts, payment history flags, and personalised improvement tips.
How to download your CIBIL PDF
- Go to cibil.com/freecibilscore and Login
- Download your Free Credit Report as a PDF
- Upload it securely below (We mask your PAN/Mobile automatically)
Drag & Drop CIBIL PDF Report
or click to select file from device
Secure DPDP parsingThis PDF is password-protected
CIBIL locks most downloaded reports. Enter the password to continue — it is used only in your browser to unlock the file and is never sent anywhere.
Usually your date of birth as DDMMYYYY, or the 6-digit code CIBIL sent to your phone.
Wrong password — please try again.
Your credit story starts here.
Upload your report to review accounts, payment history and enquiries. No score or recommendation will be shown until report data is available.
Payment Reminders
Kabhi koi EMI ya card due miss na ho
Ye reminders sirf aapke is browser mein save hote hain. Hum inhe apne server par upload nahi karte, aur na hi koi email/SMS access karte hain.
Financial Tier: Apprentice
Keep Needs < 50% & Wants < 30% to level up!
50/30/20 Rule Breakdown
Smart Categorization
Active Subscriptions & EMIs Sample view
N
Netflix Premium
Due in 3 Days
SBI Home Loan EMI
Auto-debit on 5th
Recent Transactions
No transactions yet. Start logging!
Split a Bill
Each person owes
750
Loan Guru AI
By Moneyed Expert Team
Complete Financial Portfolio
Our Products
Ghar se lekar gaadi tak, business se lekar suraksha tak — sab kuch ek jagah. Har product par free expert guidance.
Loans & Credit
Loan
Home Loan
Apne sapno ka ghar — 28 lenders ke best rates compare karke.
Sabse sasta: Indian Bank 7.15% · 28 lenders ka rate hamare paas hai
Home Purchase 7.15% · Balance Transfer 7.15% · NRI 7.15% · Plot 7.25% · Renovation 7.3% · Top-up / Equity 7.3% · Overdraft 7.3% · Affordable Housing 7.4% · Construction 7.5% · Extension 7.5%
Loan
Loan Against Property
Apni property ki value unlock karein — 7 lenders, sabse lamba tenure.
Sabse sasta: Bajaj Finance 9% · 7 lenders ka rate hamare paas hai, 5 ka rate on request
Loan
Personal Loan
Shaadi, ilaaj, travel — bina kisi collateral ke turant funds.
Sabse sasta: Axis Bank 8.9% · 30 lenders ka rate hamare paas hai
General Personal Loan 8.9% · Pensioner 9.9% · Instant / Pre-approved 9.99% · Salary Advance 9.99% · Small-ticket 9.99% · Professional 9.99% · Debt Consolidation 9.99% · Flexi / Credit Line 10% · Government/Defence 10%
Loan
Business Loan
Working capital, machinery, expansion — 3 lenders, bina collateral ke.
Sabse sasta: Shriram Finance 10% · 3 lenders ka rate hamare paas hai, 9 ka rate on request
Loan
Car Loan
Nayi gaadi ghar layein — 9 lenders, 100% tak on-road funding.
Sabse sasta: Punjab National Bank 7.9% · 9 lenders ka rate hamare paas hai, 3 ka rate on request
Loan
Car Refinance
Existing car par cash lein ya EMI kam karayein — 1 lender, top-up bhi.
Sabse sasta: Axis Bank 10.51% · 1 lender ka rate hamare paas hai, 9 ka rate on request
Loan
Used Car Loan
Pre-owned gaadi ke liye financing — 5 lenders, 100% tak funding.
Sabse sasta: Shriram Finance 10% · 5 lenders ka rate hamare paas hai, 6 ka rate on request
Insurance
Samajh nahi aa raha kaunsa product sahi hai?
Hamare expert se baat karein — free consultation, koi pressure nahi.
* Rates lenders ke official disclosures se liye gaye hain — last verified 18 October 2026. Ye lowest advertised rates hain; aapka actual rate profile, credit score, income aur lender ki discretion par depend karta hai. Home Loan aur Personal Loan ke rates market benchmarks par based hain. Moneyed ek loan advisory service hai — hum loan disburse nahi karte. Insurance products abhi available nahi hain.
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