Automated loan accelerator

Spend like you always do. Pay off your home loan years early.

BachatX turns cashback from the brands you already shop into extra principal on your home loan — automatically, and impossible to spend elsewhere.

Start accelerating See how it works
No extra money out of pocket · Cashback locked to your loan
The BachatX loop live
1

You shop a brand

Buy a ₹2,000 Amazon voucher in-app

₹2,000
2

Cashback lands

Earned at 4% — ring-fenced instantly

+₹80
3

Auto-prepayment fires

Sent straight to loan principal

→ ₹80
Interest saved on this ₹80 ₹196
AMAZON 4%  •  MYNTRA 7%  •  SWIGGY 5%  •  FLIPKART 4.5%  •  BIGBASKET 6%  •  MAKEMYTRIP 3%  •  AMAZON 4%  •  MYNTRA 7%  •  SWIGGY 5%  •  FLIPKART 4.5%  •  BIGBASKET 6%  •  MAKEMYTRIP 3%  • 
// how it works

Three steps. Then it runs on its own.

Set it up once. Every purchase after that quietly chips away at your loan without you lifting a finger.

01

Link your loan

Add your home loan account securely. We read the balance to track progress — never your login.

02

Shop your brands

Buy vouchers for the stores you already use. Same spend, same price — now it earns cashback.

03

Watch it prepay

Cashback auto-routes to your principal. Every rupee cuts your tenure and your interest bill.

// the cashback engine

Cashback that can't be spent — only saved.

Ordinary rewards leak back into everyday spending. BachatX ring-fences every rupee of cashback the moment it's earned. There's exactly one exit: your loan principal.

Locked by designNo withdraw-to-bank button. No workaround. Ring-fenced at the core, not the screen.
Auto-routed to principalHit the threshold and it prepays your loan on its own — no manual transfers.
Compounds in your favourEarly principal cuts years of interest. Small cashback, outsized impact.
Cashback wallet locked to loan
₹460
Only exit: your home loan principal
AAmazon
+ ₹80
MMyntra
+ ₹140
SSwiggy
+ ₹55
BBigBasket
+ ₹185
Next auto-prepayment at ₹500 · ₹40 to go
// the math

Small rupees, years off your loan.

On a ₹45L loan at 8.5% over 20 years, steady cashback prepayments quietly rewrite the timeline.

₹1.84L
Interest saved so far, from cashback alone
14 mo
Shaved off a typical loan tenure
₹0
Extra money you spend to do it
🔒 Bank-grade security 🇮🇳 Data stored in India ✓ RBI-aligned framework ↗ Prepayments via IMPS to your lender

Your next grocery run could shorten your mortgage.

Join BachatX and let everyday spending do the heavy lifting on your home loan.

Get started free