About Us
About OverPaidEMI
OverPaidEMI is a borrower-awareness platform created to help Indian home loan customers understand whether they may be paying excess interest on their existing home loan.
Many borrowers know their EMI, loan balance, and tenure. But they may not clearly know the long-term interest impact of their loan pricing. OverPaidEMI helps bring that hidden number into focus.
Part of ZeroFeeLoans
Borrower-first, not loan-push
OverPaidEMI and 100 Club are initiatives under ZeroFeeLoans, built with a borrower-first approach.
Our focus is not to push loans. Our focus is to create awareness, show possible interest impact, and help borrowers make better financial decisions.
About 100 Club
100 Club is a collective initiative for eligible home loan borrowers.
The idea is simple: one borrower may have limited negotiation power, but a group of eligible borrowers may have stronger collective strength.
Eligible borrowers can review the available option first and then decide. There is no need to accept anything without understanding the offer.
Leadership
MK
P. Mathan Kumar, B.E.
Founder & Head – ZeroFeeLoans / OverPaidEMI
P. Mathan Kumar has over 14 years of experience in banking, customer handling, documentation, and financial service operations.
He has worked with reputed banking institutions including Punjab National Bank, Vijaya Bank, and Bank of Baroda across Kerala, Karnataka, and Tamil Nadu.
His banking experience helped him identify a common problem: many home loan borrowers continue paying EMIs without clearly understanding the long-term interest impact of their loan pricing.
OverPaidEMI was created to help borrowers stop looking only at EMI and start looking at total interest cost.
Our Mission
Our mission is to help home loan borrowers stop paying blindly, understand their interest exposure, and take informed decisions before continuing with the same EMI structure.
Before the next EMI, every borrower deserves to know: Am I paying more interest than necessary?
Disclaimer
OverPaidEMI does not guarantee savings, rate reduction, or loan approval. Final options depend on borrower profile, bank policy, eligibility, and approval.