wayycoSETUP

One key, then Shreya talks.

This demo speaks and listens through Sarvam. Paste a Sarvam API key to start. It stays in this browser tab only.

Sarvam Bulbul voices. You can change this later from the gear icon.

wayyco
Your home loanRepriced
What you pay9.15%
What you should7.45%
Back in your pocket₹4,000/mo

Your home loan got safer. Your rate didn't.

Shreya finds what you're overpaying and asks your bank for it back. In Hindi or English.

Your score won't dropNo spam calls

Your mobile number

Shreya will call you back on this number when your bank replies.

+91

Enter the code

Sent to +91 98765 43210

Demo login. The code is 123456.

Let's find your loans

We read your credit report once. You won't be asked for these again.

10 characters, printed on your PAN card

One moment, Raghav

  • Confirming your PAN
  • Reading your credit report
  • Found 3 active accounts
  • Checking your home loan
wayyco
Namaste

Raghav

781
CIBIL · Excellent
HDFC
Home loanHDFC Bank · since Sep 2022
No missed EMIs
₹38,40,000
left to pay
48 of 240 EMIs paid
EMI₹39,291
Interest rateUnknown
Home valueUnknown

Your credit report shows the loan, but not what it costs you. Shreya needs 2 minutes to fill in:

Interest rateHome valueYour incomeOther income

Other accounts

From your credit report
CC
Credit card
HDFC Millennia · paid in full
₹56,40028% of ₹2,00,000

Credit report pulled today. Account details are example data for this demo.

ShreyaConnecting · 00:00
SCRIPTED
Loan notes

Raghav's home loan

0 of 9
From your credit report
What you told Shreya
Your answers will appear here as you talk. Tap any of them to change it.
Shreya is saying hello

Two minutes, a few questions

Answer by voice, or use your hands. Whatever is easier.

What Shreya found

Raghav, your home grew. Your loan terms didn't.

Sep 2022Today
Home value₹80 lakh₹1.1 crore
Loan₹60 lakh₹54.9 lakh
Interest rate9.15%9.15%
Loan as a share of home value
2022
75%
Today
50%

You're a much safer borrower for HDFC than in 2022. That's worth two things:

Lower rate
₹3,500/month

less EMI if HDFC moves you from 9.15% to 8.15%. Or keep your EMI and be debt-free 3 years sooner.

Top-up
₹27 lakh

available against your home's new value, at the same lower rate.

Estimates for this demo. HDFC decides the final rate and top-up after its own checks.

The first action I'm going to perform for you is going to be communicating with your current bank. Are you okay with that?

Last step

Connect your email

Shreya writes to HDFC from your own address, so the bank knows it's really you. Nothing goes out without your OK, and every reply comes back here.

  • Sends only emails you approve
  • Reads replies from your bank, nothing else
  • Disconnect any time
Shreya is writing
Fromraghav@gmail.comToHDFC Bank · Home loan servicingSubjectHome loan ending 4821: rate revision and top-up

Tap the email to change anything before it goes.

raghav@gmail.com
HDFCHDFC Bank

Sending to HDFC Bank…

  • Sending from your Gmail
  • Delivered to HDFC Bank
  • Shreya is watching for the reply

Sent. Shreya's on it.

You don't need to call HDFC. Shreya will call you on +91 98765 43210 the moment they reply.