Find the perfect
bank scheme.
Loans, credit cards, savings accounts, government schemes and personalized recommendations.
Banks Supported
Schemes Indexed
Rate Updates
AI Matches
EXPERIENCE FLOW
How SCHEMETA Works
Create Profile Index
Provide basic parameters like income, age, CIBIL, and location via our conversational chatbot.
Vector Policy Scanning
SCHEMETA, powered by LIA AI, matches your profile details against mathematical vectors representing the criteria of 7 private Indian banks.
Direct Digital Apply
Receive instant similarity scores and apply to the lowest interest rate schemes instantly from your dashboard.
AI Eligibility Engine
SCHEMETA bypasses standard dropdown form filters. Our backend maps variables like Debt-to-Income, CIBIL bands, and location allowances onto our eligibility criteria vectors. In under 50 milliseconds, it detects policy compliance without performing credit inquiries.
Indexed on Indian private bank criteria models
Personalized Match Score
Evaluated with cosine similarity algorithms
Smart Scheme Matching
Standard filters rule out schemes if you missed a single target by 1%. Our cosine vector model evaluates overall credit, location, and income similarity to rank bank loan schemes, matching options you otherwise would not see.
MATRIX OVERLAY
Compare Banks Instantly
| BANK | RATE | AMT | TENURE | MATCH |
|---|---|---|---|---|
| HDFC | 8.40% | ₹10L-5Cr | 30Y | 98% |
| ICICI | 8.65% | ₹15L-3Cr | 25Y | 94% |
| Axis | 8.70% | ₹5L-2.5Cr | 20Y | 89% |
Real-Time Recommendations
SCHEMETA tracks bank policy sheets hourly. Subscribe to specific loan types and request automatic triggers when HDFC, ICICI, or Kotak lowers interest rate thresholds below your index target. We send rate alert signals straight to your inbox.
HDFC Bank has adjusted their Home Loan minimum spread. New rate index sets to 8.40% p.a. for CIBIL scores above 750.
Sync interval: 60 minutes
Find your matching rate today.
Eliminate portal surfing and multiple forms. Map your profile to 7 banks on SCHEMETA using LIA, our AI financial assistant, in under 2 minutes.