Upload your credit report and in about a minute you will see your score, what is pulling it down, and how much you could save each month on your loans. We then advise the best option for you: housing loan, loan against property (LAP), home loan or LAP takeover (balance transfer) above ₹25 lakh, and vehicle loan above ₹8 lakh. All free of cost.
Smart People Don’t Pay More. They Check.
“Save More by Doing Nothing.”
“Don’t Lose Money Just Because You Didn’t Know.”
Beware of little expenses. A small leak will sink a great ship.
Even a small difference in your interest rate adds up over the years. Check yours, free.
Upload your CIBIL, Experian, Equifax or CRIF report PDF and get a complete loan analysis — score, red flags, eligibility and takeover savings. Open to everyone: no sign-up or login needed.
One free report per bureau per year. Click Proceed to go to the bureau's official site.
Upload the PDF you downloaded from any bureau — we detect CIBIL, Experian, Equifax or CRIF automatically and show your loan eligibility across the PSU banks.
Upload the PDF you downloaded from CIBIL, Experian, Equifax or CRIF High Mark — we detect the bureau automatically. Your file is read once and deleted; the analysis is visible only to this browser.
Your credit report doesn't include income or age. Enter these below — eligibility is calculated instantly and nothing is stored.
Your eligible amounts above are the best across our partner PSU banks. The exact bank, interest rate and fastest approval route for your profile are shared by our loan expert — free, no obligation.
⚠️ Indicative amounts only. Tenure for Housing Loan capped at age 80; LAP capped at age 70. LAP tenure: 10 years if loan <₹50 Lakh, 15 years if ≥₹50 Lakh. Final sanction at the sole discretion of the lending PSU bank.
Clean EMI is a loan advisor that works with public sector banks. The analysis and our advice are free for you. If a loan you choose is sanctioned, the bank pays us, so you never pay us a fee, and you are free to walk away at any point.
We use your report only to show you this analysis and to follow up on loan options you ask about. Your PDF is deleted once it is read, your PAN is stored masked, and we do not store your Aadhaar number. Ask us to delete your data any time at [email protected].
Get instant answers about eligibility, documents, interest rates and PSU banks.
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Quick answers about PSU bank loans and how this portal works.
Clean EMI is a loan advisory service that connects applicants with Public Sector Undertaking (government-owned) banks for Housing Loans, Loan Against Property, New Vehicle Loans. We are not a bank and do not sanction loans.
State Bank of India, Punjab National Bank, Bank of Baroda, Canara Bank, Union Bank of India, Bank of India, Indian Bank, Central Bank of India, Indian Overseas Bank, UCO Bank, Bank of Maharashtra and Punjab & Sind Bank.
A CIBIL score of 700 or above is required for all loan categories listed on this site. The final decision rests with the lending bank.
Housing Loan and Loan Against Property start at ₹30 lakh (new / takeover). New Vehicle Loan starts at ₹10 lakh.
No. There is no fee to submit an application through this portal. Banks may charge their own processing fees as per their published schedules.
After you submit the form and documents, our team reviews your file and contacts you with next steps. Sanction timelines depend on the bank and on how complete your documents are.
Yes. Home loan takeover (balance transfer) requests are accepted, with a minimum of ₹30 lakh, subject to the bank's eligibility and CIBIL requirements.
Clean EMI is a private loan advisory (DSA-style) service, not a bank and not a government body. Loans are sanctioned and disbursed only by the PSU bank.
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