Independent home-loan decision engine
Should you keep, prepay, negotiate or switch your home loan?
Vensali compares the options using your loan numbers and shows which option could save you the most — including when doing nothing is the better choice.
Your current loan
Start with four numbers from your statement.
No signup · No OTP · No PAN · Calculation happens in your browser
What Vensali compares
One loan. Six possible options.
Keep
Continue your current loan exactly as it is.
Prepay
Put in a lump sum. We compare reducing EMI or reducing tenure.
Lower your rate
Ask your existing lender for a lower interest rate — no transfer.
Switch lender
Check whether a balance transfer is worth it after every cost.
Prepay and switch
Move the loan and put cash in at the same time, if both apply.
Do nothing
Sometimes the mathematically best decision is to change nothing.
Independent by design
We don’t need you to move your loan.
If keeping your current loan is the best option, Vensali will tell you. Built for Indian home loans.
- No paid lender placement
- No lender ranking influenced by commissions
- No signup required for calculation
- No PAN or OTP required
- Calculations are deterministic — same inputs, same ranking
- Methodology is public and checkable
Numbers are calculated, not generated by AI.
Vensali uses deterministic financial calculations for the numbers shown in your analysis. AI, when used, may help explain information, but it does not decide or invent the financial figures.
How it works
Three steps. One ranking.
01
Enter the loan you already have.
Outstanding, rate, remaining tenure and EMI from your statement.
02
Tell us what you could change.
Cash to prepay, a lower rate you were quoted — only what actually applies.
03
See the financially ranked options.
Including when doing nothing is the better option.
Methodology
Calculated, not generated.
Monthly reducing-balance. One remaining-tenure horizon. Your fees, not a bank’s advertised schedule. Ranked by estimated net saving on that same model.
Monthly reducing balance
EMI uses the standard Indian home-loan formula on outstanding principal, then rounds to the nearest rupee.
Rate held constant
Each scenario keeps the rate you entered. Vensali does not predict RBI or lender rate changes.
Same remaining horizon
Options are compared over the remaining tenure of your current loan. Leftover principal at that date is counted as a cost.
Costs only if you enter them
Transfer fees, legal/valuation and prepayment charges are included when you type them. The model does not invent a bank’s fee schedule.
Questions
How accurate are Vensali's calculations?
They are estimates from a standard Indian reducing-balance schedule, using the outstanding, rate, tenure, EMI, cash and fees you type in. Lenders round differently and statements lag, so treat the result as a comparison — then confirm against your latest statement before you act.
Does Vensali predict future interest rates?
No. Each scenario holds the rate you entered constant. Vensali does not forecast RBI decisions or lender repricing.
Is this financial advice?
No. It is scenario analysis — estimates from the numbers you entered. It is not a substitute for a financial adviser, and it is not a recommendation to take a particular loan product.
Does Vensali require PAN, OTP or signup?
No. There is no signup, phone number, OTP, PAN, Aadhaar, CIBIL login or bank password. The calculation runs in your browser.
Does Vensali recommend a lender?
No. No named bank is ever recommended. Refinance and negotiation rates are figures you enter yourself. Vensali does not rank lenders or earn a placement fee.
Why can “do nothing” be the best option?
If keeping the current loan has the highest estimated net saving after costs, that is the result. Switching fees, a weak quoted rate, or cash you should not spare can make moving worse than staying. Sometimes the best answer is: do nothing.
What assumptions does the calculation make?
Monthly reducing-balance amortisation; one remaining-tenure horizon; leftover principal at that date counted as a cost; only the fees you type in; rate held constant. Tax relief and investment opportunity cost are excluded in this version.
Can I upload my loan statement?
Yes. Upload a PDF of your home-loan statement and Vensali will extract the details for you to review. Nothing is calculated until you confirm the figures. The file is read in your browser and is not stored. You can still enter the four numbers yourself.
Does AI calculate the result?
No. Numbers are calculated, not generated by AI. The ranking comes from a fixed reducing-balance model. The same inputs always produce the same output.
Before you move your loan, do the math.
Compare keeping, prepaying, lowering your rate and switching — using your own numbers.
Analyse my home loanFree. No signup. No lender placement.