What's your Home Loan Health Score?
A free 0–100 check of your home loan — rate efficiency, prepayment behaviour, and refinance opportunity. 30 seconds, no signup, and it never touches your CIBIL score.
Your Loan Health Score
Your rate is 1.4% higher than best offers. Consider refinancing.
What's driving your score
Five weighted components. Green is healthy; amber and red show where the money is leaking.
How your rate compares to the market average (~8.04%)
How far along your loan you are
How much principal you have prepaid
Your on-time EMI record
Gap to the best available rate (~7.1%)
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How this works: the score weighs your rate against current market benchmarks (average ~8.04%, best ~7.1% from our lender dataset, June 2026), your tenure progress, prepayment behaviour, and repayment discipline. It's a planning indicator, not a credit score — your CIBIL score is unaffected and nothing here is stored or shared.
Frequently Asked Questions
What is a Home Loan Health Score?
It is a 0–100 planning score that grades how well-optimized your home loan is, across five weighted components: interest-rate efficiency vs the market (25%), prepayment behaviour (20%), repayment discipline (20%), market competitiveness vs the best available rate (20%), and tenure progress (15%). A score of 85+ is excellent; below 50 usually means you are overpaying meaningfully.
Does checking my Loan Health Score affect my CIBIL score?
No. This is not a credit check — nothing is sent to any credit bureau, no PAN or personal details are required, and the calculation runs entirely in your browser. Your CIBIL score is unaffected.
How do I improve my Loan Health Score?
The two fastest levers are usually: (1) prepayment — even ₹10,000/month extra against principal lifts your prepayment-behaviour component and saves lakhs in interest; and (2) rate — if your rate is 0.5%+ above the best market offers, a balance transfer or a rate-conversion request with your own bank improves both rate components. The score breakdown shows exactly which component is dragging you down.
What is a good interest rate for a home loan in 2026?
Top borrowers (CIBIL 800+) currently get floating rates around 7.1–7.8% at the cheapest banks. If you are paying above ~8.5%, you are above the market average and should compare lenders or negotiate — the score flags this automatically.