Personal loans.
A fresh start, a smarter switch or room for something more.
BORROWING, SEEN DIFFERENTLY
A new way
to see your loan.
Your next move deserves more than a rate.
Explore personal, business and home loan possibilities. Start with a simple calculator and share your requirements so our team can help with your next step.
Calculate first. Share details when you’re ready.
THE CREDSWITCH PERSPECTIVEA clearer way forward
01 / 03A cost you understand.
See interest, fees and the full repayment picture.
Start with the numbers
Small inputs. A bigger picture.
Explore your EMI or balance transfer savings. No phone number needed to calculate.
₹50,000₹50 lakh
Estimated monthly EMI
OUR ECOSYSTEM
Built with a stronger
network behind us.
Technology, cloud and credit information tie-ups for the Credswitch journey.
Eko Platform Services
Platform services
Google for Startups
Cloud Program
TransUnion CIBIL
Credit information
Experian
Credit information
MetaMeta
Technology
Partner names identify our ecosystem. Availability of each service depends on its activation; no credit bureau access takes place in the current enquiry journey.
Three possibilities. One intelligent journey.
For life.
For ambition. For home.
Choose your purpose. Your details and credit profile shape what comes next.
Business loans.
Explore funding around your business income, vintage and commitments.
Home loans.
Estimate home loan repayments and begin with mobile verification.
YOUR BANK. YOUR NEXT MOVE.
Have a loan with any bank?
Start here.
We accept enquiries about existing loans from all banks. Tell us your current lender and what you’d like to change.
HDFC BankEXISTING LOAN ENQUIRIES
ICICI BankEXISTING LOAN ENQUIRIES
State Bank of IndiaEXISTING LOAN ENQUIRIES
Axis BankEXISTING LOAN ENQUIRIES
Kotak Mahindra BankEXISTING LOAN ENQUIRIES
IDFC FIRST BankEXISTING LOAN ENQUIRIES
Banks shown are examples of current lenders, not claims of partnership or live API integration. Transfer availability and approval depend on the receiving lender.
MAKE YOUR NEXT MOVE COUNT
One goal.
A few ways forward.
Explore the questions that matter before choosing your next step.
FRESH BORROWING
Start with what you can comfortably repay.
Look beyond the amount you need. Check your monthly budget, existing commitments and the total cost over your chosen tenure.
- Estimate your EMI before applying.
- Include fees in your borrowing budget.
- Choose a repayment period with care.
A clear path to your enquiry
Your next move.
Starts here.
Calculate your numbers, verify your mobile and tell us what you need. Our team will review your enquiry and get in touch.
01
Explore your numbers.
Try personal, business or home loan calculations without sharing your details.
02
Verify your mobile.
Confirm your number using the one-time code sent to your phone.
03
Share your requirements.
Share your loan and financial details. Receive confirmation once your enquiry is saved for our team.
Exclusively in the home loan journey
A home loan. And a place to call home.
Home financing and builder discovery are part of our upcoming journey. For now, explore the calculator and take the first step with mobile verification.
ABOUT CREDSWITCH
A clearer view.
A smarter next move.
Your loan should work for your life. As your needs change, your options deserve a fresh look.
Credswitch is being built to make borrowing easier to understand—from personal and business loans to home loans, balance transfers and top-ups. We bring the questions that matter into focus: your monthly EMI, total borrowing cost, repayment period and financial commitments.
Our mission is simple: help you make informed loan decisions with clarity and confidence.
Clarity before commitment.
Explore the numbers before sharing your details. Our calculators show estimates and let you adjust the assumptions.
Your needs come first.
A lower EMI is only part of the picture. Fees, tenure and total repayment matter too.
A thoughtful next step.
Share your requirements for our team to review. Our current launch collects enquiries; it does not provide live lender offers or run credit checks.
WHAT WE’RE BUILDING TOWARD
AI-assisted loan comparisons and guidance on preparing for future borrowing, as lender and credit bureau integrations become available.
BUILT AROUND YOUR CONTROL
A considered approach.
At every step.
Understand what happens today, and what comes next as integrations go live.
Clear consent.
Choose when to share your requirements. Enquiry consent does not authorise a credit check or sharing with builders.
Purposeful data collection.
We ask for details to understand your enquiry. PAN and credit reports are not collected in this launch.
Your choices, explained.
Know what your enquiry does and does not authorise. Our team reviews your requirements before discussing the next steps.
ASK YOUR AI
A smarter question.
A clearer perspective.
Ask your favourite AI assistant what to consider before switching a loan. Copy our prompt, then open your preferred assistant.
Read the prompt
Help me understand how to evaluate switching my existing loan. Explain how interest rate, remaining tenure, processing fees, foreclosure charges and total repayment affect whether a balance transfer makes sense. Ask me for the figures you need, use illustrative calculations, and explain what I should verify directly with a lender. I’m exploring Credswitch as a place to calculate and share my enquiry.
These are links to independent AI services, not endorsements. Review AI answers and verify loan terms directly with the lender.
CUSTOMER STORIES
Real journeys.
Worth sharing.
We’re building a place for customers to share their experiences with Credswitch.
CUSTOMER TESTIMONIALS · COMING SOON
Get to know Credswitch Your experience could help someone take their next step.
Verified customer stories will appear here after customers approve their publication.
THE CREDSWITCH JOURNAL
A clearer view.
Before your next move.
Practical reads on loan switches, repayment and getting ready to borrow.
LOAN SWITCHING01
Before you switch: look beyond the interest rate
Compare the costs of moving your loan before deciding whether a lower rate helps.
Read guideLOAN BASICS02
A smaller EMI is only part of the picture
Understand how tenure changes monthly affordability and total repayment.
Read guideTOP-UPS03
Top-up or fresh loan? Compare the whole borrowing need
Separate the cost of switching your existing balance from the cost of extra funds.
Read guideCREDIT READINESS04
Your credit report: what to review first
A practical way to organise your report before your next loan enquiry.
Read guideBUSINESS LOANS05
Business borrowing starts with cash flow
Plan repayment around the way your business earns and spends money.
Read guideHOME LOANS06
Preparing for a home loan: organise both sides
Your finances and the property documents each need attention.
Read guideCREDIT READINESS07
A practical 90-day borrowing preparation plan
Use three months to organise your finances, without promises of approval.
Read guideSMART BORROWING08
Eight questions before accepting a loan
A simple checklist to bring to your conversation with a lender.
Read guideGood to know
A clear first step.
Am I applying for a loan?
You are sending an enquiry to Credswitch. We will review your requirements and contact you. This does not submit an application to a bank or lender.
Will this affect my credit score?
No credit bureau is accessed in this launch journey. No PAN, credit report or credit score is requested.
Are these rates bank offers?
No. Calculator rates are editable assumptions. Actual rates, eligibility and terms will depend on lender assessment when the full service is available.
How is my mobile number used?
When phone verification is enabled, your number is sent to Eko to deliver and verify your OTP. Your verified number and submitted enquiry details are saved for the Credswitch team to respond. They are not shared with banks or builders through this launch form. You can request correction or deletion when our team contacts you. Submission is not marketing consent.
YOUR LOAN. REIMAGINED.
Make your next move
a considered one.
Start with the numbers. Share your requirements when you’re ready.