9.15%8.45%
₹2.82 lakh
total projected savings
“I always thought my EMI was correct. The calculator showed I had already paid ₹1.4 lakh extra. After 100 Club, my EMI dropped ₹2,200 every month.”
RM
Rajesh M.
Chennai, Tamil Nadu · SBI Home Loan
Between 2020 and 2024, most floating-rate borrowers paid ₹2.5L – ₹4.5L extra when rate cuts weren't fully passed on. See your exact exposure in 60 seconds. Free.
No calls unless you say yes · No signup required · Calculator runs on your device
Partner banks
₹3.5L
Avg member savings
verified range ₹2.5L – ₹4.5L
7.10%
Best market rate today
Benchmark since Jul 2025
₹0
Upfront fee — ever
zero cost to borrower
100
Max batch size
controlled & curated
We do the negotiation work. You make the final decision — at your own pace, with zero financial risk.
Enter your loan amount, EMI, and months paid. Get your estimated overpayment in 60 seconds. No login, no signup.
We benchmark against RBI-aligned market rates, period by period. Not an opinion — a number-by-number comparison.
Read methodology →No pressure. No calls without consent. Eligibility review first. You can exit at any stage before accepting a bank offer.
You receive the bank's formal sanction letter first. Accept or decline. Zero fee, zero penalty, zero obligation.
Savings vary by loan size, rate, and tenure. These are from members who accepted bank offers from recent batches.
₹2.82 lakh
total projected savings
“I always thought my EMI was correct. The calculator showed I had already paid ₹1.4 lakh extra. After 100 Club, my EMI dropped ₹2,200 every month.”
Rajesh M.
Chennai, Tamil Nadu · SBI Home Loan
₹4.15 lakh
total projected savings
“Zero fee made me suspicious at first. But the sanction letter from the bank came first — exactly as they said. I reviewed it for a week before accepting.”
Priya N.
Thrissur, Kerala · Bank of Baroda
₹3.45 lakh
total projected savings
“My bank said the rate was standard. The group clearly changed the conversation — got a 0.55% reduction and a formal written offer to review.”
Suresh K.
Bengaluru, Karnataka · PNB Home Loan
Member names abbreviated for privacy. Savings estimates based on rate differential over remaining tenure at time of batch. Not a guarantee of future outcomes.
100 Club — June 2026 Batch
Batch closes July 5, 2026. Group submission to bank relationship managers on July 7, 2026.· Updated 24 Jun 2026
You can say no. No fee, no penalty, no pressure. Sanction letter first.
SBI, PNB, Bank of Baroda, Canara, Union Bank, Bank of India, Indian Bank, Central Bank of India, Indian Overseas Bank — plus eligibility checks for HFC/NBFC cases.
You review the bank's formal written offer — rate, tenure, and all terms — before you say yes. No verbal-only promises. No hidden conditions.
Your loan figures never leave your browser during calculation. Only name and mobile are saved for callback — and only if you choose to apply.
A side-by-side view of what changes when eligible borrowers negotiate together.
| Factor | Going alone | With 100 Club |
|---|---|---|
| Negotiation leverage | Single borrower | 100 verified borrowers as one block |
| Time required | Months of follow-up | Structured batch process |
| Documentation help | Mostly self-managed | Guided eligibility review |
| Upfront fee | Varies / often hidden | ₹0 for borrowers |
| Offer format | Often verbal promises | Formal sanction letter first |
| Pressure to accept | Often high | Review first — exit anytime |
Who runs this
Founder & Head — ZeroFeeLoans / OverPaidEMI
14+ years across banking operations with Punjab National Bank, Vijaya Bank, and Bank of Baroda in Kerala, Karnataka, and Tamil Nadu. OverPaidEMI was built to help borrowers understand total interest cost — not just EMI.
Quick answers before you check your overpayment or apply to the batch.
OverPaidEMI and 100 Club operate under ZeroFeeLoans as a borrower-awareness and facilitation initiative. We are not a bank or NBFC. Final loan terms depend on lender policy and your eligibility.
Transparency
100 Club is free for borrowers. We earn a referral fee from the lending bank only when a home loan takeover is successfully disbursed. No disbursement — no fee. This aligns our interest with yours: we only win when you get a better rate.
Verified Track Record
May 2026
₹2.8L – ₹4.3L
avg. savings range per member
Seats filled: 98/100
Rate offers issued: 67
Apr 2026
₹2.5L – ₹4.1L
avg. savings range per member
Seats filled: 100/100
Rate offers issued: 64
Mar 2026
₹3.0L – ₹4.5L
avg. savings range per member
Seats filled: 97/100
Rate offers issued: 61
Not all enrolled members receive an offer — outcomes depend on credit profile, documentation, and lender policy. Recent batches: 61–67 offers per ~97–100 enrolled.