AI-Powered Loan Auditor for India

Is your bank charging you right?

Upload your loan agreement. Enter your payment history. LoanGuard's AI detects overcharges, fee violations, and hidden discrepancies — in under 30 seconds.

Home Loan Audit — HDFC Bank
Compliance Score
65
₹14,200
estimated overcharge
EMI deducted ₹650 above agreed amount (3 months)
−₹1,950
Late fee ₹1,200 — agreement allows max ₹500
−₹700
Processing fee not mentioned in agreement
Review
Interest calculation method — correct
✓
₹3,800+
average overcharge detected per audit
60Cr+
active retail loan accounts in India
30 sec
time to complete an audit
12+
compliance checks per audit
What LoanGuard Does

Everything you need to
hold your lender accountable

A complete audit toolkit built for Indian borrowers — no financial degree required.

📄
Smart Document Reading
Upload your loan agreement as PDF, image, or paste the text. Our AI extracts all terms — interest rate, EMI, tenure, fees, penalty clauses — automatically.
🔍
EMI & Interest Audit
Checks if your actual EMI matches the agreed amount. Verifies reducing-balance interest calculation. Flags any month where you were overcharged.
⚖️
Fee Compliance Check
Compares every charge — processing fee, late fee, prepayment penalty, foreclosure charges — against your signed agreement and RBI limits.
📊
Visual Audit Report
A clear colour-coded report with green / amber / red findings. Compliance score, overcharge estimate in rupees, and specific month-by-month breakdown.
✉️
Grievance Letter Generator
One click to generate a formal complaint letter citing specific violations and RBI guidelines — ready to send to your bank's nodal officer or the RBI Ombudsman.
🔄
Floating Rate Monitoring
Re-run audits when your lender resets your interest rate. Verify that each rate change was applied correctly and communicated as per RBI norms.
Simple 3-Step Process

Audit your loan in
under 5 minutes

1
📂
Upload Agreement
Upload your loan sanction letter or agreement as a PDF, photo, or paste the text. Works with all banks and NBFCs.
→
2
📋
Enter Payments
Add your actual payment history — month, amount paid, and any charges you noticed on your bank statement.
→
3
✅
Get Your Audit
Receive a full audit report in seconds. Download it as PDF or generate a formal complaint letter in one click.
Supported Loan Types
🏠
Home Loan
🚗
Car Loan
💼
Business Loan
👤
Personal Loan
💳
Credit Card
What You'll Receive

A report you can act on

Evidence-backed findings ready for your bank

Every discrepancy is documented with the agreed amount, actual amount charged, and specific clause from your agreement — plus the applicable RBI circular.

Compliance score with detailed breakdown
Total overcharge estimate in rupees
Month-by-month payment analysis
RBI guideline references per finding
Downloadable PDF audit report
Pre-drafted grievance letter
Home Loan — Audit Report Action Needed
Compliance Score
65 / 100
Overcharge Est.
₹14,200
Issues Found
4
Months Reviewed
36
EMI overcharged — 3 months
−₹1,950
Late fee exceeded agreement cap
−₹700
Foreclosure charge above RBI limit
−₹11,550
Processing fee not in agreement
Review
Interest calculation — compliant
✓ OK
Simple Pricing

Start free. Upgrade when you need.

No credit card required. One free audit for every borrower in India.

Free
₹0
1 free audit, no sign-up needed
✓ 1 audit per user
✓ On-screen report
✓ All loan types
✗ PDF export
✗ Grievance letter
Individual
₹299 / month
Unlimited audits for all your loans
✓ Unlimited audits
✓ PDF audit report
✓ Grievance letter
✓ RBI Ombudsman draft
✓ Audit history
Pro / Advisor
₹999 / month
For CAs and financial advisors
✓ Everything in Individual
✓ Multi-client management
✓ Bulk audit upload
✓ White-label reports
✓ Priority support

Check your loan today.
It's free.

Thousands of Indian borrowers are being silently overcharged every month. Take 5 minutes to find out if you're one of them.

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