Your personal finance co-pilot

Most people lose money and never notice it.
We fix that.

Your money leaks — old loan rates, idle deposits, forgotten auto-pays. We find the leaks and fix them. Save ₹3,500–₹15,000 a month.

CA-verified savings 100% refund guarantee No score impact
We work with
HDFC Bank ICICI Bank State Bank of India Shinhan Bank LIC Housing Finance PNB Housing Finance Bajaj Finserv
About MaxiMoney

Your personal finance co-pilot.

Only the wealthy get real advice — everyone else gets sold to. MaxiMoney is the co-pilot on your side: it reads your financial life and finds every rupee leaking out.

Loans & credit cards

Old rates, revolving debt, wrong products. Our first fix: a lower EMI.

Deposits & investments

Lakhs idling at 3% that should be earning more.

Insurance

Sold to you, not chosen for you.

Payments & taxes

Forgotten auto-pays. Excess TDS. The wrong regime by default.

We're Chartered Accountants — every figure we publish is CA-verified. Meet the team →

How it works

Three steps. Two to four weeks. Lower EMI.

A real advisor handles it end-to-end. You always sign off.

1

Sign in to your dashboard

Your real loans, on screen in 60 seconds.

2

We analyse your loans

From your bureau report, with your consent.

3

We negotiate or transfer

A lower rate from your lender — or a cheaper one.

EMI Calculator

See your saving in seconds.

Type your numbers. The math updates live.

Your existing loan Now

Today's EMI
% p.a.
mo
Calculated EMI ₹0

Proposed loan After

Your new EMI
% p.a.
mo
Calculated EMI ₹0
Monthly saving
₹0
Lifetime savings
₹0
Indicative. Your advisor confirms a real offer first.
Real customers, real savings

EMIs cut. Numbers, not anecdotes.

The same names and numbers our app shows its users — CA-verified, real cases.

"
Saved ₹7.3L · CA-verified
Maximoney helped me reduce my EMI. They helped me switch from Bajaj Finance at 7.9% to Shinhan Bank at 7.1%.
Ankita Sharma Ankita Sharma, 34Ghaziabad
"
Saved ₹5.8L · CA-verified
They helped me get a ₹50L top-up on my home loan from Shinhan Bank at 7.1% when my own bank was not giving below 7.7%.
Dipty Jain Dipty Jain, 35Delhi
"
Saved ₹5.5L · CA-verified
I had a home loan on an under-construction property. They helped me reduce the ROI from 10% to 7.75% even before possession.
Rajkumar Sharma Rajkumar Sharma, 49Gurgaon
"
Saved ₹20.7L · CA-verified
I had a home loan of ₹50L for my house construction from AU Small Finance Bank at 14%. They helped me shift to Ujjivan at 11%.
Sarvar Sarvar, 39Bhopal
"
Saved ₹7.3L · CA-verified
Maximoney helped me reduce my EMI. They helped me switch from Bajaj Finance at 7.9% to Shinhan Bank at 7.1%.
Ankita Sharma Ankita Sharma, 34Ghaziabad
"
Saved ₹5.8L · CA-verified
They helped me get a ₹50L top-up on my home loan from Shinhan Bank at 7.1% when my own bank was not giving below 7.7%.
Dipty Jain Dipty Jain, 35Delhi
"
Saved ₹5.5L · CA-verified
I had a home loan on an under-construction property. They helped me reduce the ROI from 10% to 7.75% even before possession.
Rajkumar Sharma Rajkumar Sharma, 49Gurgaon
"
Saved ₹20.7L · CA-verified
I had a home loan of ₹50L for my house construction from AU Small Finance Bank at 14%. They helped me shift to Ujjivan at 11%.
Sarvar Sarvar, 39Bhopal
Why MaxiMoney

Money, handled properly.

Your data stays in India

Stored in India. Never sold, never shared.

Real advisors, not a bot

Every plan reviewed by a senior advisor.

You stay in control

Nothing happens without your sign-off.

We negotiate a lower rate on your existing loans with your current lender, or move them to a cheaper lender via balance transfer. The goal is to lower your monthly EMI, save you money, or both.
Home loans, loans against property (LAP), personal loans, vehicle loans, business loans, and high-interest credit-card debt that can be cleared with a lower-interest personal loan.
₹99 one-time consultation fee — covered by our 100% refund guarantee (see our Refund Policy).
Most of our customers save ₹3,500–₹15,000 per month, depending on loan size and current rate. Total savings over a 5–20 year tenure run into ₹1–10 lakh.
No. We only pull your credit report with your explicit consent (a "soft" inquiry that doesn't affect your score). Actual loan applications, if any, happen later and only with your sign-off.
A typical case from consultation to a signed lower-rate offer takes 2–4 weeks. Many customers see results in 7–10 days.
MaxiMoney is operated by Value Garage Private Limited, an Indian fintech registered in Delhi (CIN U66190DL2025PTC453505 · GSTIN 07AANCC0051D1Z4). All customer data stays in India. Meet the founders on our Team page.
We initiate a balance transfer to a competing lender. We benchmark 8–12 lenders per case, so there is almost always an option.

Your EMI is too high. Let's fix it.

Your savings number in 60 seconds.

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