What we do
MaxiMoney is a personal-finance service that helps salaried Indians and small-business owners reduce their EMI burden. We do this in two ways:
- Rate-reduction negotiation. We analyse your live credit-bureau report, identify loans where you are paying above-market interest, and equip you (or, for paid subscribers, our team) to renegotiate the rate with your existing bank.
- Balance-transfer offers. Where re-negotiation cannot close the gap, we source competing offers from our partner panel of banks and NBFCs and help you transfer the loan at a lower rate.
Members typically save ₹3,500–₹15,000 per month on a single mid-sized loan. A ₹99/month subscription pays for itself with the very first rate reduction.
Why we built it
India is a country of borrowers. The average urban household carries a home loan, an auto loan, two credit cards, and increasingly a personal loan or BNPL on top. Yet most borrowers never re-negotiate — banks rarely advertise rate cuts to existing customers, and there is no neutral, easy way to comparison-shop across lenders without the friction of multiple applications hurting your credit score.
MaxiMoney exists to close that gap. We are independent of the banks, we never lend money ourselves, and we never sell your data. Our only job is to make sure you are not over-paying.
What we are not
- Not a lender or NBFC. We do not give out loans. We do not earn an interest spread on your debt.
- Not a DSA tied to any one bank. Our partner panel includes HDFC, ICICI, SBI, Axis, Kotak, IDFC FIRST, Bajaj Finance and several others — we pick the best offer for you, not the highest commission for us.
- Not an investment advisor. We do not recommend stocks, mutual funds, insurance or any other investment product.
- Not a data reseller. Your credit report, your loan history, and your PAN are never sold, never shared with marketers, never leave the country.
Our principles
| Principle | What it means in practice |
|---|---|
| Your money first | Every recommendation we make is reverse-engineered from “how much will the user actually save?” If the answer is not material, we do not push the change. |
| Plain numbers, no jargon | We surface ₹ savings, not 0.x% APR reductions. We never hide fees, processing charges or pre-payment penalties from your view. |
| India residency by default | Every byte of customer data lives in our Mumbai data center. No cross-border data flows. No US-style data brokers. |
| Cancel anytime, no dark patterns | You can cancel from one screen inside the app, in under 10 seconds. We will not bury the cancel button or require an outbound phone call to retain you. |
| Independent of the banks | Banks do not pay us to show their offers above someone else's. We negotiate harder than the borrower would on their own — that is the whole point. |
The company
MaxiMoney is a service of Value Garage Private Limited, a company incorporated under the Companies Act, 2013, with its registered office in Delhi, India. Value Garage holds all intellectual property in MaxiMoney's brand, codebase, models and customer relationships.
We are venture-backed, profitable on a per-customer basis from month one, and intentionally small — we believe small teams build better financial products than large ones.
Where we are going
Today, MaxiMoney helps borrowers re-negotiate and transfer existing debt. Over the next 12–18 months we will:
- Expand the partner-bank panel to 12–15 lenders across home, auto, personal and gold-loan categories.
- Add credit-card APR re-negotiation flows (most credit-card holders are eligible for a rate reduction they have never been told about).
- Introduce a credit-improvement assistant that flags specific actions that will lift your score within a quarter.
- Open a B2B channel where employers offer MaxiMoney as part of their financial-wellness benefit package.
Get in touch
Registered office — Value Garage Private Limited, Delhi, India.