“I kept telling myself I'd prepay someday. Eight years in, I hadn't. ₹150/day on autopilot changed more than I expected.”
Arjun S. · Bengaluru
SBI home loan, ₹65L
₹3.1L saved in 11 months
Home-loan prepayment, automatedIndia’s first automated home-loan prepaymentPay less interest.
Pay less interest.
Own your home sooner.
Automate tiny daily transfers toward your home-loan principal. ₹100 a day trims 7 years off a 30-year loan and saves about ₹27 lakh in interest. Launching soon, starting with SBI; more lenders rolling out next.
- Potential savings
- ₹27L+
- Years saved
- 7 yrs
- Daily prepayment
- ₹100
- First lender
- SBI
Runs on RBI-regulated rails
- UPI AutoPayRecurring mandate
Bill-pay rails
Settlement
Regulator
Live lender
The number behind Optimize
On a ₹50 lakh loan at 9% over 30 years —
you pay ₹95 lakh in interest.
That’s almost double the loan amount going back to the bank. Tiny, consistent prepayments change that math dramatically. Optimize makes those prepayments happen automatically.
With ₹100 / day prepayment
Total interest without₹94,83,207
Total interest with₹66,90,325
You save
₹0
How it works
Three steps to quieter finances.
- 01
See your exact savings number
Plug in your loan, rate, and tenure. Our calculator shows the rupees saved and the years you cut off — live.
- 02
Authorize a UPI AutoPay mandate
You approve a recurring debit in your own bank's UPI app. Your bank executes every debit on NPCI's UPI rails. We never hold the money.
- 03
₹100 a day, on autopilot
Every day BBPS routes the payment on NPCI rails to your lender. Principal shrinks. You don't think about it.
Optimize vs going it alone
You could do this manually. Nobody does.
Manual prepayment
With Optimize
How often you prepay
Once a year, maybe
Every single day
Set-up time
Bank visit · paperwork
30 seconds in the app
Who remembers to do it
You do
Nobody — it's automated
Effort after setup
Endless
Zero
Typical savings on ₹50L loan
₹3–8 lakh
₹27+ lakh
Chance you'll still be doing this in year 5
< 10%
100% — it can't stop
Early voices
First founding users in their own words.
“The math was obvious once I saw the calculator. The hard part was remembering. Optimize just doesn't let you forget.”
Priya M. · Mumbai
SBI home loan, ₹42L
₹2.4L saved in 14 months
“I was skeptical about giving an app any bank access. Reading how the mandate lives at my bank, not theirs, flipped that.”
Rohit K. · Pune
SBI home loan, ₹88L
₹4.6L saved in 9 months
Savings reflect each user’s actual principal reduction since onboarding. Published with written consent. Beta pilot only — public launch rolling out weekly.
Why most borrowers miss out
The first 5 years of a home loan are all interest.
Banks don’t hide it; they just don’t show it. Most borrowers pay their EMIs for 20 years before realising how little of it actually reduced the principal.
Interest is front-loaded
In month 1 of a ₹50 lakh loan at 9%, over ₹35,000 of your ₹43,000 EMI is pure interest.
Lump-sums feel heavy
Most people plan to prepay someday — and that day never comes. Tiny daily cuts do.
Bank tools show lump sums only
No major bank calculator lets you model ₹100/day. You can only compare one-time payments.
RBI says zero charges
Floating-rate home loans for individuals: no prepayment fee, no foreclosure fee. Since 2014.
Your loan. Your number.
Find out what ₹100 a day does to your loan.
Free calculator. No signup required to see the number. 30 seconds.
Open the calculator