Radical transparency
We show you the overpayment estimate before you share a single detail. No data wall. No pressure to sign up before you've seen the numbers.
About Us
Built for borrowers who
deserve a better deal
100 Club was founded on one observation: most home loan borrowers on floating rates quietly paid thousands of rupees more than the market required — because banks passed on rate hikes instantly, but rate cuts only when pushed. We built the tools and the process to change that.
Our Mission
To give every floating-rate home loan borrower transparent access to their overpayment data — and a structured path to a better interest rate — without paying a single rupee upfront.
What we stand for
Borrower always in control
You receive the bank's formal sanction letter first. You decide whether to proceed. We never push, never follow up unless you ask.
Zero upfront fee
We earn a referral fee from the bank only after a successful takeover is disbursed. If you don't save — we don't earn. Simple.
Why group negotiation works
A single borrower calling the bank for a rate cut is easy to ignore. A group of 100 verified, creditworthy borrowers representing a significant loan book is not. Bank relationship managers respond differently to collective volumes — and that difference shows up in the rate they offer.
Going alone
- No leverage with the bank
- Rate cut depends on your negotiation skill
- Months of follow-up, uncertain outcome
- You compare rates blindly without data
With 100 Club
- 100 borrowers negotiating as one block
- Relationship manager engagement guaranteed
- You get a formal offer letter, not a verbal promise
- We show your overpayment data upfront
Our calculator methodology
The overpayment checker maps your loan's EMI history against the best available rates in the market for each corresponding period — using RBI repo rate data and internally maintained lender benchmark records. The result is your estimated historical overpayment and your projected future exposure if you stay at your current rate. All calculations run entirely on your device — no loan data is ever uploaded.