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Your EMI reduction partner

You're overpaying every month.
Stop.

We get your banks to lower your rate. Save ₹3,500–₹15,000 every month. ₹99 one-time consult. Fully refunded if we can't help.

Check my savings Connect on WhatsApp
₹99 refundable consult No score impact Results in 2–4 weeks
We work with
HDFC BANK ICICI Bank SBI AXIS BANK kotak BAJAJ FINANCE
How it works

Three steps. Two to four weeks. Lower EMI.

A real credit advisor — not a chatbot — handles the negotiation end-to-end. You always sign off.

1

Sign in to your dashboard

Pull up your real loans in 60 seconds — or message us on WhatsApp.

2

We analyse your loans

Pulled from your credit bureau report (Experian / CIBIL) with your explicit consent.

3

We negotiate or transfer

Lower rate from your existing lender, or balance-transfer to a cheaper one.

EMI Calculator

See your saving in seconds.

Type your existing loan numbers. We pre-fill a realistic improved offer. Edit anything; the math updates live.

Your existing loan Now

Today's EMI
₹
% p.a.
mo
Calculated EMI ₹0

Proposed loan After

Your new EMI
₹
% p.a.
mo
Calculated EMI ₹0
Monthly saving
₹0
Total saving over tenure
₹0
Indicative numbers. Your advisor confirms a real, executable offer before any commitment.
Check my savings Connect on WhatsApp
EMI is computed as P × r × (1+r)^n / ((1+r)^n − 1) where r = annual rate ÷ 12 ÷ 100.
Real customers, real savings

EMIs cut. Numbers, not anecdotes.

"
Cut ₹9,200 off my home-loan EMI in 3 weeks.
Rahul, 36Consultant · Mumbai
"
Saved ₹14,300/month on my home loan via balance transfer.
Priya, 38Doctor · Bangalore
"
₹4,500 off my personal-loan EMI. Real, measurable savings.
Anil, 35Sales Manager · Pune
"
Cut ₹9,200 off my home-loan EMI in 3 weeks.
Rahul, 36Consultant · Mumbai
"
Saved ₹14,300/month on my home loan via balance transfer.
Priya, 38Doctor · Bangalore
"
₹4,500 off my personal-loan EMI. Real, measurable savings.
Anil, 35Sales Manager · Pune
Why MaxiMoney

Built for confident, credit-aware Indians.

No upfront fees

Pay ₹99 only when you're ready. Refunded if no saving found.

Your data stays in India

Stored on servers in Mumbai. Never shared with brokers.

Real advisors, not a bot

Every plan reviewed by a senior credit advisor before it reaches you.

You stay in control

We don't apply for loans on your behalf. You always sign off.

We negotiate a lower rate on your existing loans with your current lender, or move them to a cheaper lender via balance transfer. The goal is to lower your monthly EMI, save you money, or both.
Home loans, loans against property (LAP), personal loans, vehicle loans, business loans, and high-interest credit-card debt that can be cleared with a lower-interest personal loan.
₹99 one-time consultation fee. If our advisor can't surface a real, executable saving, the ₹99 is fully refunded.
Most of our customers save ₹3,500–₹15,000 per month, depending on loan size and current rate. Total savings over a 5–20 year tenure run into ₹1–10 lakh.
No. We only pull your credit report with your explicit consent (a "soft" inquiry that doesn't affect your score). Actual loan applications, if any, happen later and only with your sign-off.
A typical case from consultation to a signed lower-rate offer takes 2–4 weeks. Many customers see results in 7–10 days.
MaxiMoney is operated by Value Garage Private Limited, an Indian fintech registered in Mumbai. Data residency: India.
We initiate a balance transfer to a competing lender. We benchmark 8–12 lenders per case, so there is almost always an option.

Your EMI is too high. Let's fix it.

Open your dashboard — see your real savings number in under 60 seconds. No commitment until you sign off.

Check my savings Connect on WhatsApp