A home loan awareness programme for your employees
For many salaried employees the home-loan EMI is one of the largest monthly commitments, and every RBI decision can change it. On decision day they see a headline. Very few can say what it did to their own loan, or when it reaches it. This programme lets an employer give each employee that number, privately, with no advice attached.
What your employees get
- A free loan check. Five numbers from a loan statement (balance, rate, EMI, original tenure, months paid) show what rate decisions have done to the tenure and interest. It runs in the browser and nothing is stored.
- A buyer's check for employees about to take a loan: what a higher rate could do to the EMI and the loan term.
- Optional tracking. With a programme code from you, an employee can follow their own loan across RBI decisions and get a plain-language note after each one, including when their lender's next reset falls.
LoanRepo shows what has happened to a loan and what a given action would do. It does not tell anyone what to do with their money, does not recommend lenders, and takes no commission.
Try what your employees would see
These are the same tools an employee gets. Type any numbers; nothing is stored. The third tab shows the programme as a whole, with a made-up company called Acme.
Borrowers see how many months rate rises have added. Buyers see what a 2% rise could do to the EMI and the loan term. Open the Acme programme in a new tab. Company, names and figures are made up.
What HR gets
- An anonymous report. Counts of anonymous browsers at each step: checked a loan, opened the full diagnosis, saved a report, started tracking. Any count below 10 is shown as "<10", so a small group can never be identified.
- Nothing about individuals. No names, emails, employee IDs, loan figures or results. Every message goes to every employee, so no one can tell who has a home loan.
- No employee data from you. We never receive an employee list. You decide when to share the page and the code, in your own channels.
See a sample HR report. Its company and numbers are made up, and it is there to show the format. The data and privacy note describes exactly what is recorded.
How a pilot would work
- Choose a group and a period. For example one location or one team, around the next RBI decision dates, 4 December 2026 and 5 February 2027.
- Share the page and the code. Through your intranet, payday emails or an RBI-day note. We can supply plain-language wording.
- Read the monthly report. Anonymous counts, as above.
- Decide whether to continue. Terms for anything beyond the pilot are agreed in writing first.
What this is not
- It is not financial advice and not a recommendation of any lender or product.
- It is not a lead-generation channel. We take no referral fees from lenders.
- It does not claim that anyone saved money. It counts awareness and shows modelled figures; a lender's statement is always the final word.
What is still being settled
The roles of employer and LoanRepo under India's DPDP Rules 2025, and the consent wording for your own screens, are with counsel. A pilot agreement and data-processing terms will be shared before any launch.
Platform rather than employer? See LoanRepo for platforms. Employees can try the free check themselves at loanrepo.in, and read what the 7 October hike did to a typical loan.
Questions
What is a home loan awareness programme for employees?
It gives each employee a private way to see what RBI rate decisions did to their own home loan: how the tenure and interest changed, and when their lender next resets the rate. The employer shares the page and an optional programme code and sees only anonymous counts.
What does HR see?
Anonymous counts of how many browsers completed each step, with any count below 10 hidden. HR sees no names, emails, employee IDs, loan figures or results, and cannot tell who has a home loan.
Does LoanRepo need our employee data?
No. LoanRepo never receives an employee list. The employer decides when and where to share the page and the code.
Is this financial advice?
No. LoanRepo shows what has happened to a loan and what an action would do. It does not recommend what to do, does not recommend lenders and takes no commission.