Personal, home, car and education loans from leading banks, with EMI calculators for each.
Loans grouped by what they are for, from personal and home loans to car and business loans.
HDFC Bank
Protium Finance Limited
Bajaj Finserv
Tata Capital
MyEazyLoan (lender marketplace)
CreditSea (Meghdoot Mercantile, Chhotaria Securities)
ZapCash (Weekline Investment and Trading Co. Ltd)
Zype (RBI-registered NBFC and bank partners)
Ram Fincorp (R.K. Bansal Finance Pvt Ltd)
mPokket (mPokket Financial Services)
Axis Bank
Fibe (RBI-registered NBFC partners)
Hero FinCorp
Bajaj Finance
CreditLinks (lending partners: InCred, KrazyBee, Lendingkart)
The interest rate is the first number everyone checks, and it should be. Even a 0.5% difference on a Rs 50 lakh home loan adds up to several lakhs over 20 years. But the rate alone does not decide the cost. Processing fees, prepayment charges and insurance bundled with the loan all add to what you actually pay.
Personal loans are unsecured, so rates are higher, typically 10% to 24% per annum. They work for emergencies, medical bills or debt consolidation. Home loans are secured against the property, which brings rates down to 8% to 10%. Most home loans in India are floating rate, meaning the EMI can change when the RBI adjusts the repo rate.
Car loans finance up to 90% of the vehicle price at 7% to 12% for new cars. Used car loans are 2% to 3% higher. Business loans vary widely. Collateral-free options go up to Rs 50 lakh but at steeper rates.
Before applying, use our home loan EMI calculator or personal loan EMI calculator to see exactly what the monthly payment will be. Check that the EMI stays under 40% of your monthly income, which is the threshold most banks use when approving applications.
Who we are, how we make money, and what happens to your data. Straight answers, no small print.
SkyloFin is two things. A website where you can look up credit cards, loans, savings and demat accounts and work out what they cost using our calculators. And an Android app that reads your bank's SMS alerts on your own phone to track your spending, without that data ever reaching us.
SkyloFin is a product of Skylo Digital, a proprietorship registered in India under MSME Udyam UDYAM-MH-23-0433200. It was founded by Akash Wagh, a full-stack developer, in 2026. Skylo Digital builds privacy-first software, and SkyloFin is its first consumer product.
Skylo Digital, the company behind SkyloFin, is registered as an MSME under Udyam number UDYAM-MH-23-0433200. A trademark application for the SkyloFin name has been filed with the Indian trade marks registry and is awaiting examination. We say applied for, not registered, because that is the current status.
We never touch your money. SkyloFin does not hold accounts, move funds or take payments. The website shows you products and sends you to the bank to apply. The app reads your bank SMS on your own phone and keeps every transaction there or in your own Google Drive, never on our servers. What we earn is a referral fee from the bank when you apply through us, and we say so on every product page.
When you apply for a product through one of our links, the bank or lender pays us a referral fee. You pay nothing extra, and the rate you get is the same as going direct. We do not sell your data, and we do not take payment to rank one product above another.
Email support@skylofin.com. It reaches the founder directly, and every message gets a reply. There is no call centre and no chatbot.
Yes, and there is no advertising in it. We earn a referral fee when somebody chooses to apply for a card, loan or account through us. You pay nothing extra, and the rate you get is the same as going direct.
Your name and email address, so you can sign in. If you choose to add a mobile number, it is stored encrypted on our server. It is optional, and the app works without it. We do not store your bank details, card numbers or transactions.
On your phone, in an encrypted database, and in a backup on your own Google Drive that only the app can read. Bank messages are read on the device itself. None of it is sent to us, which also means we cannot recover it for you if you lose the phone and have no backup.
No. We earn from referral fees when you apply for a product through us. Your data is not part of that, and we do not sell or share it with advertisers or data brokers.
No. Messages are filtered by sender before anything is read, so only bank and payment alerts are opened. A message from a person is never looked at, and no message text is ever sent anywhere.
Every bank writes its alerts differently, and there are more than a hundred banks in India. The app reads the formats it knows, and a wording it has not seen before is skipped rather than guessed at. If a payment is missing, send us that message from More, then Help and Support, then Report a missing transaction. We add support for that format, and it then works for you and for everyone else on that bank.
The arithmetic is standard and exact. EMI, compound interest and amortisation all use the same formulas your lender does. What they cannot know is your lender's rounding, fees or the rate you personally qualify for, so treat the output as a close estimate rather than a quotation.
Short reads that explain how it works before you decide.
Personal LoansPersonal Loan True Cost: Flat vs Reducing Rate, Fees and APRTwo personal loans can quote rates that look close and cost very different amounts. Here is how flat and reducing rates differ, what the processing fee adds, and how to read the APR on the Key Fact Statement.Read the guide →
LoansWhat Is a Good CIBIL Score, and How to Raise ItYour CIBIL score runs from 300 to 900, and 750 or more opens most doors. Here is what moves it, what does not, and how to raise it step by step.Read the guide →Automatically organise your spending, track expenses and understand where your money goes.
