LoanSach — Home Loan Health Score

Get your Home Loan Health Score

Answer a few questions about your home loan. We'll score it across rate, affordability, structure, and protection — and tell you exactly where you stand.

Scope: This score is designed for regular home loans and EMI-based term loans only. Overdraft-based home loans (e.g. Home Saver / Max Gain), custom-amortisation loans, and loyalty or EMI-waiver products fall outside its scope.

No personal data is stored. All calculations run in your browser.

Loan details

Loan amount outstanding (₹) — Required

Current interest rate (% p.a.) — Required

Remaining tenure (years) — Required

Loan-to-value ratio (%) — Optional Loan amount ÷ property value × 100. E.g. ₹60L loan on ₹80L property = 75%.

Loan type

Rate reset frequency (months) — Optional How often does your lender reset your floating rate? Typically 3, 6, or 12 months. On floating rate loans, your rate can change whenever the RBI revises its benchmark repo rate — your lender's EBLR/RLLR is linked to it.

Loan purpose

Income & obligations

Monthly take-home income (₹) — Required Enter income you can document — as filed in your ITR, Form 16 / 16A, or reflected in bank credits. Lenders assess what's on record, not actual cash flow.

Other monthly EMIs (₹) — Optional Car loan, personal loan, credit card EMIs — exclude this home loan.

Loan terms & structure

Can you make part-prepayments without charges?

Does full prepayment / foreclosure attract a charge?

Can you change your EMI date?

Processing fee paid (₹) — Optional

Protection

Do you have a home loan protection / life insurance policy?

Is the property insured?

Your profile

Employment / income type

Credit score band

Age (years) — Optional

Any missed EMIs or loan defaults in the last 3 years?

You will not be asked to enter your name, phone number, or email to view your score.

—/100

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Interest rate: yours vs what your profile commands

Your rate

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Fair range for your profile

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Based on your credit score, income, employment, and loan size

Score breakdown

Your score: — / 100

We can help you improve this.

Write to us and we'll share what rate you likely qualify for — and what steps would have the biggest impact on your loan health.

Write to us at contact@loansach.com ↗

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About this score: The Home Loan Health Score is a diagnostic indicator, not a financial assessment by a regulated entity. It draws on publicly available benchmarks, RBI guidelines on fair lending practices, and standard industry norms for FOIR, LTV, and insurance coverage. Your score may differ from assessments by lenders or credit bureaus.

Fair rate range: Computed from your profile inputs against current market benchmarks. Does not constitute a loan offer, commitment, or pre-approval from any lender. Rates are dynamic and depend on market conditions at the time of application.

LoanSach is not a registered financial advisor, lender, or broker. No personal data entered here is stored, transmitted, or shared. All calculations run locally in your browser. This tool is for informational purposes only.

A LoanSach tool · informational use only loansach.com ↗