Lenders supported

Starting with SBI. More lenders rolling out weekly.

Optimize works by scheduling BBPS payments to your existing home-loan account. That means no refinancing, no paperwork — just daily UPI micro-prepayments to the principal you already owe. We’re launching with SBI and adding new lenders as we validate each one end-to-end with real users.

Launching first

Starting with SBI.

If your home loan is with State Bank of India, you’ll be the first to start daily micro-prepayments when we go live. Your bank holds the money; we just schedule the UPI AutoPay debits and route the payments via BBPS on NPCI rails.

State Bank of India

Launching first · daily prepayment ready

Rolling out next

Other lenders are in staged rollout.

These lenders are technically supported by the BBPS rails we run on. We’re validating each with real users before enabling it in the app. Get on the waitlist and we’ll notify you the day your bank goes live.

  • HDFC

    HDFC Bank

  • ICICI

    ICICI Bank

  • Axis

    Axis Bank

  • Kotak

    Kotak Mahindra Bank

  • PNB

    Punjab National Bank

  • BoB

    Bank of Baroda

  • Canara

    Canara Bank

  • UBI

    Union Bank of India

  • BoI

    Bank of India

  • IDBI

    IDBI Bank

  • Yes

    Yes Bank

  • IndusInd

    IndusInd Bank

  • Federal

    Federal Bank

  • IDFC

    IDFC First Bank

  • LIC HFL

    LIC Housing Finance

  • Bajaj HFL

    Bajaj Housing Finance

  • Tata

    Tata Capital Housing

  • PNB HFL

    PNB Housing Finance

Don’t see your bank? It likely just means we haven’t validated it with a live user yet. All major Indian home-loan lenders on BBPS rails are on the roadmap. Get notified when yours is ready →

How it works

Your bank holds the money. We just schedule.

Optimize never touches your money. The UPI AutoPay mandate lives at your bank; the debit runs on NPCI’s UPI rails; BBPS routes it to your lender. Every layer except Optimize is RBI-regulated.

See the full flow