Is 100 Club really free for borrowers?
Yes. We charge ₹0 upfront. We earn a referral fee from the lending bank only after a successful takeover is disbursed. If there is no disbursement, there is no fee.
Contact
Talk to the Team
We respond to every genuine enquiry within 24 business hours. For loan membership questions, the fastest path is WhatsApp.
Member Support
For overpayment queries, membership application status, or rate offer questions.
Email: info@zerofeeloans.in
Phone: +91 9496931667
WhatsApp: Message us on WhatsApp
Hours: Mon–Sat, 10 AM – 7 PM IST
Partnerships & Media
For DSA, co-lending, media coverage, or institutional partnership enquiries.
Email: info@zerofeeloans.in
Phone: +91 9496931667
We review partnership requests within 3 business days.
Frequently Asked Questions
Will I be pressured to accept the offer?
No. You receive the bank's formal sanction letter first. You review the rate and terms on your own time. You can accept or exit — we respect your decision either way.
Which banks does 100 Club work with?
We work with major public sector banks and selected financial institutions, including SBI, PNB, Bank of Baroda, Canara Bank, Union Bank, Bank of India, Indian Bank, Central Bank of India, and Indian Overseas Bank. Top-up and home loan advantage variants are also eligible after screening.
How is the overpayment number calculated?
We compare your actual EMI history against the best available floating rates in the market for each corresponding period, using RBI repo rate data and market rate records. All calculations run on your device — no loan data is uploaded.
How soon will the team call me after I apply?
Our team typically reaches out within 24 business hours of your application. We call on WhatsApp or voice — whichever you prefer.