You
Authorize once at mandate setup. You can cancel at your bank anytime.
How Optimize worksYour bank holds the money.
Your bank holds the money.
We just schedule.
Optimize is pure software. We don’t lend. We don’t hold money. We don’t even touch it. We sit on top of the same RBI-regulated rails your bank already uses — UPI AutoPay for the mandate, BBPS for routing, NPCI for settlement — and orchestrate daily micro-prepayments that your bank executes, with your authorization, to your loan.
The flow
Four steps. One authorization. Runs forever.
Install the app
iOS or Android. Connect your home-loan account by entering the loan account number your lender gave you.
Authorize one UPI AutoPay mandate
You approve a recurring debit mandate in YOUR bank's UPI app. The mandate lives at your bank — never with Optimize. You can cancel it any time without going through us.
Pick a daily amount
₹50. ₹100. ₹500. Whatever fits. Change or pause anytime from the app.
Every day, money moves on its own
Your bank triggers the debit under your UPI AutoPay mandate. BBPS routes it on NPCI rails to your lender. Your lender applies it to your loan's principal. You get a receipt in the app.
The stack
Every layer except Optimize is RBI-regulated.
We don’t ask you to trust a new startup with your bank account. We ask you to trust the same infrastructure your bank already trusts — and to trust us with nothing more than a schedule.
- Your money, your control
- Pure software — we never hold money
Optimize
Calculates optimal amount, schedules every debit, confirms completion.
- RBI-regulated scheduled commercial bank
Your bank
Executes the debit under your authorized UPI AutoPay mandate. The money never passes through Optimize.
- NPCI-operated · RBI-regulated
BBPS
Bharat BillPay routes the payment from your bank to your lender — the same rails that power most bill payments in India.
- NPCI · owned by RBI-member banks
NPCI
Settles both the UPI AutoPay leg and the BBPS leg through the national payments network.
- RBI-regulated bank or HFC
Your lender
Applies the payment to your loan's principal, reducing interest on every subsequent EMI.
Money flows from your bank → UPI AutoPay debit → BBPS routing on NPCI rails → your lender. Optimize reads the loan bill, schedules the debit, and confirms completion — but no rupee ever sits on our servers.
Data & security
What we store. What we never store.
We store
- Your name, email, phone — for app login and mandate reminders
- Your loan account number — to route prepayments via BBPS
- Your chosen daily amount and schedule
- Transaction receipts for every debit
We never store
- Your bank password or OTP (we never see them)
- Your card numbers or CVVs
- Your account balance at any point in time
- The debit funds themselves — they move bank → lender, never through Optimize
You can request deletion of all the data above at any time via the app or by emailing us. Under India’s Digital Personal Data Protection Act 2023, we respond within 30 days.
Quick questions
You probably want to know.
Can Optimize run off with my money?
No. The money never sits with us. Your bank executes every debit under a mandate you authorized in your own bank's UPI app. We can schedule a debit but we cannot change the amount, the payee, or cancel your mandate. Only you can, at your bank.
Who actually pulls the money from my bank?
Your bank does, under your UPI AutoPay mandate. The mandate runs on NPCI's UPI rails and is RBI-regulated end-to-end. Optimize simply tells the rails "it's time to debit ₹100 today" based on your schedule.
How does the money actually reach SBI / my lender?
Via Bharat BillPay (BBPS) — the NPCI-operated network that powers most bill payments in India. Your lender receives the payment as a normal bill-pay credit against your loan and applies it to the principal.
Can I cancel?
Yes — in two ways. From the Optimize app, you can pause or stop your schedule immediately. From your bank's UPI app, you can cancel the UPI AutoPay mandate directly, and our schedule stops working whether we agree or not. Your bank has final authority.
Do I need to refinance my loan?
No. Optimize works on top of your existing home loan — same lender, same rate, same tenure. We just trim the principal faster.
Do I need the Account Aggregator framework?
Not for the live flow. We use your loan account number (which your lender already gave you) to route prepayments via BBPS. We don't need to pull statements from your bank.
What about data privacy?
We comply with India's DPDP Act 2023. We only collect what's necessary to schedule your prepayments. You can request deletion of all your data at any time. Full details on our /privacy page.
Is Optimize a bank? An NBFC?
Neither. Optimize is pure software. We're not a lender, not an NBFC, not a payment processor. We build the scheduling and calculation layer that sits on top of UPI AutoPay, BBPS, NPCI, and your bank.
Ready?
See your number first. App next.
No account needed. Calculator is free. App is free. Money never touches us.