Kashew · Stop applying. Start choosing.

You worked for the score.Now the score works for you.

Up to 1% EMI cashback — back in your savings, every month. For credit scores 700+.

Check your eligibility→60 seconds · No fee · Soft pull, no score impact

— 01 / Calculator

Find out your cashback in 60 seconds.

Move the sliders. Real numbers, no signup.

Your cashback.

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Live

Loan amount₹ 50.0 L

₹ 5 L₹ 5 Cr

Tenure20years

1 yr30 yrs

Interest rate7.50% p.a.

6.90%18.00%

Cashback rateUp to 0.5% of every EMI

Up to 0.5% of every EMI — reserved for credit scores of 700+.

Earned back over 20 years

₹48,240

Up to 0.5% of every EMI

Monthly EMI

₹ 40,280

Monthly cashback

₹ 201

Total interest

₹ 46.7 L

% of interest recovered

1.0%

Check my tier →

Soft pull. No score impact.

The honest answer

What’s the catch? None.

Lenders pay us a finder’s fee on disbursal. We keep a thin operating margin and pass the rest back to you, monthly, on on-time EMIs. Same rate as the bank, never higher. No mark-up. No funny pricing.

No mark-up on the rate

No coins, no points

Real money to your savings

No upfront payment

Pay nothing — until your loan is sanctioned and you’re happy with the terms.

No membership fee. No login fee. No processing fee. Eligibility and offers are free, and we’re only paid when the lender disburses your loan.

✓ No membership fee — checking your eligibility is free.
✓ No login fee — ever.
✓ No processing fee until the bank sanctions.
✓ Walk away any time — no charge if you don’t take the offer.

The Kashew promise

Banks compete. You win.

We run a structured competition across 50+ Indian banks & NBFCson every application. Lenders bid for India’s most disciplined borrowers — you walk away with the lowest rate they’ll quote, and up to 1% of every EMI back into your savings account.

50+

Bank & NBFC partners

Lowest

Negotiated rate, every application

Up to 1%

Of every EMI, to your savings

The loyalty tax

You’ve been overcharged for staying loyal.

Banks reserve their sharpest rates for new customers. Existing borrowers stay put on the rate they signed at — while the same bank quotes a fresh applicant 0.5%–1.0% lower. That gap, paid every month for 20 years, can quietly cost you several lakhs on a typical home loan.

Kashew flips it. We make 50+ lenders bid for you, every year, on the same loan you already have. You get the rate a brand-new borrower would get — plus cashback on every EMI.

Bank quotes new customer7.5%

Your current rate (3 yrs in)8.4%

The loyalty tax+0.9%

On a ₹50 L, 20-yr loan, that’s about ₹6.4 L extraover the tenure — before cashback.

Real switches. Real savings.

They moved their loan. Their EMI got lighter.

Members who balance-transferred to a Kashew partner — lower rate, monthly cashback, and a hassle-free process.

Dipty JainCA · Strategy Head, Mumbai

“I moved my home loan from my existing bank to a Kashew partner. The rate dropped from 7.9% to 7.1%, my EMI is about ₹4,000 lighter every month, and the cashback is a bonus. What impressed me most was the execution — document collection and the entire process were handled seamlessly.

7.9% → 7.1% · ~₹4,000/mo saved

Ankita SharmaCA · CFO, Bengaluru

“Honestly, I was sceptical — I thought my rate was already the lowest and couldn't be beaten. Kashew proved me wrong. Same loan, a lower rate, and monthly cashback on top. The outcome genuinely amazed me.

Lower rate + monthly cashback

Nevaid AggarwalCA · VP, Real Estate

“I didn't even realise I was paying a loyalty tax on my top-up loan. Kashew moved it out of my bank and cut my EMI by ₹4,000 a month — with zero extra charges. The cashback is over and above that.

Top-up EMI cut by ₹4,000/mo

— 08 / Questions

Every answer, in plain language.

No legalese.

None. Lenders pay us a finder's fee — we share most of it back with you. Same rate as the bank.

No membership fee — checking your eligibility is free. You only pay your bank’s standard charges when your loan is sanctioned and you accept the terms. We’re compensated by the lender, not by you.

Indian borrowers who meet our credit-score threshold. Everyone who qualifies earns up to 1% cashback on every EMI — credited every month, straight to your savings account.

Straight into your savings bank account — not credits or coupons, real money you can spend or save. Paid monthly, on the 7th, for the full tenure of your loan.

Yes. If you’d rather not take the cashback, we also offer one-time gifts and benefits — from iPhones to bikes and more — on eligible larger home loans. The choice is entirely yours, and you make it at the time of submitting your application.

No. As per RBI rules, there are no prepayment or foreclosure charges on home loans or any floating-rate loan to individual borrowers. Prepay any time, in part or in full, at zero cost.

We don’t charge any professional, advisory, or login fees — checking your eligibility and getting the offer is free. Bank processing fees, where applicable, are also reimbursed via the cashback we share. We’re compensated by lenders as a finder’s fee on disbursal and pass a meaningful share back to our financially-disciplined customers.

Always a regulated bank or NBFC. Kashew is never the lender.