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Person reviewing a credit report to spot hidden loans and unknown enquiries
Credit Score Tips
8 min read·Vikas Tarachandani

Hidden Loans in Your Name? How to Check and Fix It Fast

A practical, step-by-step guide to detect unknown loans/EMIs linked to your PAN and resolve fraud or reporting errors before they hurt your credit score.

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Illustration explaining how Indian banks decide home loan interest rates using repo rate, MCLR and risk profile
Home Loan Guide
9 min read·Vikas Tarachandani

How Banks Decide Your Home Loan Interest Rate (India Guide)

Your home loan interest rate follows a clear formula. Understand how banks decide rates in India using repo, MCLR, spreads and your risk profile and see how to use that knowledge to save money.

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Smart home with advanced features compared to basic house, illustrating home loan overdraft benefits over traditional housing loan
Home Loan Guide
12 min read·Jainam Shah

Everything About Home Loan Overdraft

Learn how routing your salary through a Home Loan Overdraft account can reduce your effective interest rate and give you complete financial flexibility—something regular housing loans just can't offer.

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Dashboard showing Indian borrower overpaying on home loan interest with EMI breakdown and rate comparison
Home Loan Guide
9 min read·Vikas Tarachandani

Why Indians Overpay on Their Loans: And How to Stop

74% of Indian home loan borrowers are overpaying on interest right now. It is not bad luck — it is a system designed around inertia. Here is how to fight back.

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Dr Sandesh Kirkire
Dr Sandesh Kirkire

Academician, Philanthropist, Investor

1m • 🌐

A couple of months ago, an ex-colleague I have mentored Kunal Shah CFA now co-founder at Sure reached out for feedback on their startup. During our meeting, he asked me to try their credit analysis a...

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Vignesh G
Vignesh G

NPCI -RM_Govt Relationship

22nd Nov • 🌐

I always thought I was smart with my finances comparing options, negotiating interest rates, and assuming I was getting the best deal. Turns out… I wasn’t. A friend asked me to try Sure , and honest...

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Aanchal Pawar
Aanchal Pawar

Growth marketing @ Nykaa | Ex- BharatNXT | Fintech | E-commerce

1mo • 🌐

A few weeks ago, I came across a LinkedIn post about Sure app. Out of curiosity, I downloaded it and tried it on my father’s home loan. The result shocked us, he was paying 8.60% interest when the ma...

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Bunty Rupela
Bunty Rupela

Lead Mobile Engineer @ ACV Auctions | Mobile Application Development, Problem Solver

3w • 🌐

How a Random App Download Changed My Home Loan Game Forever Like many of us in tech, I was living on autopilot — EMI on standing instruction, monthly debits, and a false sense of “life sorted.” Then...

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vishesh agarwal

vishesh agarwal

•

14 September 2025

The Sure team helped me secure the best home loan deal ever. Their team was very attentive, always reachable (during the entire process and also months after disbursement), and kept my best interest a...

Developer Response

15 September 2025

It is delightful to hear such positive feedback. Thank you Vishesh!

Google Play

ratz1967

•

Aug 28, 2025

Finally, someone looking out for borrowers

Most apps show you numbers Sure actually shows you what to do next. I didn't even know I could negotiate with my own bank until Sure guided me step-by-step. No pressure to switch loans just real help ...

Developer Response

Sep 24, 2025

That's our mission! Thank you for leaving a feedback :)

App Store

rchitta

•

Aug 28, 2025

Myth busted You can reduce ROI without switching

I always thought lowering home loan ROI meant switching banks. Sure completely changed that. They helped me reduce my rate with the same lender. No sales pitch just pure guidance. Brilliant experience...

Developer Response

Sep 24, 2025

Glad you found our app helpful. Thank you for taking the time to rate us :)

App Store
Mani Srinivasan

Mani Srinivasan

•

19 July 2025

Dear Sure Team, Thanks for the complete support to get my home loan rate reduced to best rate of interest. Nice app .

Developer Response

19 July 2025

Hi, thank you very much for your feedback.

Google Play
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