On RBI day, your users get a headline. Give them their own number.
LoanRepo gives apps, portals and builders a free home loan stress check to embed. No lender pays, and nothing the user types is stored.
Every RBI decision day, millions of people see the same notification: "RBI raises repo rate by 25 bps." Very few can say what it does to the loan they are paying, or what a loan they are about to take could do. LoanRepo's small tools give them their own number, inside your app or article, under your brand.
Try the tools
The same tools you would place in your product. Type any numbers; nothing is stored.
Borrowers see how many months a rate rise has added. Buyers see what a 2% rise could do to the EMI and the loan term. After a sale or a withdrawal, a user sees what the same money would do against the loan, or left invested, with the facts and no advice.
In your kind of platform
Why it matters to a platform
- A reason to open your app on RBI day. It is the one day your users think about rates, with a figure that is about them, not the market.
- It explains the gap users never see. The RBI decides on one day; each loan changes on its own reset date, weeks or months later. The tool shows the user that gap for their own loan, so the headline becomes a date and a number. See why the loan changes on the reset date.
- A loan belongs on the balance sheet. A user who sees the loan next to their investments thinks about both.
- Education, not selling. Neutral explanations build the trust your brand needs; nothing in the tools recommends a product.
How to start
Three ways to use it
We start with one RBI decision cycle and agree the success measures in writing beforehand. LoanRepo never takes a share of investments or trades.
The RBI-day content feed: decision confirmed · 7 October 2026
The RBI raised the policy repo rate by 25 basis points, from 5.25% to 5.50%, and changed its stance to calibrated tightening. The live panel below shows the estimated impact of the actual decision—not hypothetical hold or rate-cut scenarios.
Impact on a Rs 50 lakh, 20-year loan that follows the RBI's rate (EBLR)
Illustrative Rs 50 lakh, 20-year EBLR loan; assumes a 2.65% spread, unchanged EMI and quarterly repricing. The first column estimates tenure change from historical repo movements; the highlighted column shows the actual 25 bps hike, and the last column the estimated extra interest it adds if the EMI stays the same.
| Borrowed | Estimated tenure change so far | Actual RBI hike: 0.25% | Estimated extra interest from this hike |
|---|---|---|---|
| Oct 2019 | +0.2 yrs | +4 mo | Rs 1.6L over the loan, if the EMI stays the same |
| Jun 2020 | +6.1 yrs | +12 mo | Rs 4.4L over the loan, if the EMI stays the same |
| Jun 2021 | +7.4 yrs | +16 mo | Rs 5.9L over the loan, if the EMI stays the same |
| Jun 2022 | +2.9 yrs | +10 mo | Rs 3.9L over the loan, if the EMI stays the same |
| Jun 2023 | −2.9 yrs | +4 mo | Rs 2.0L over the loan, if the EMI stays the same |
| Jun 2024 | −3.3 yrs | +5 mo | Rs 2.3L over the loan, if the EMI stays the same |
| Jun 2025 | −0.8 yrs | +9 mo | Rs 3.7L over the loan, if the EMI stays the same |
Estimates assume a 2.65% spread and a quarterly rate reset. The rate change applies to an individual loan on its contractual reset date, not necessarily on the announcement date. Actual results depend on the outstanding balance, EMI, spread and lender terms.
An RBI-day alert inside an investing app
A working mock-up of an RBI-day screen inside a generic investing app: the decision, what it does to the user's own loan, and the date their bank applies it.
Open the demo in a new tab → · Figures illustrative; the app name is a placeholder.
The ground rules
- Neutral by contract. LoanRepo's figures are shown as calculated. No product promotion inside the module.
- Your users stay yours. Personal and loan data stays on your side; LoanRepo computes and keeps nothing at user level.
- Every figure is checkable. Built on the RBI's published repo decisions since 2005, applied on each loan's own reset dates.