Why does Birbal charge a fee?
Someone always pays the advisor. In the usual model the bank pays a marketplace or DSA a commission, so the advice quietly steers you to whoever pays most, and no one is accountable to you after the sale. Birbal flips this: you pay a small, transparent, flat fee, so Birbal has no reason to prefer one lender over another and stays accountable to you before and after. The fee buys genuine independence, the whole job done end to end rather than just a report, and ongoing watchfulness on your rate after the deal is done.
We charge you, so we work for you.
It’s the most important thing about how Birbal is built. A small, transparent fee, paid by you, is what keeps us honest.
Someone always pays the advisor. The question is who.
It’s worth being blunt about this, because it explains everything else.
The bank pays the “advisor”
- A marketplace or DSA earns commission from the lender
- So the “advice” quietly steers you to whoever pays most
- “Free” to you, but you pay in a worse interest rate, for years
- No one is accountable to you after the sale
You pay us, so we serve you
- A small, transparent, flat fee, paid by you
- So our only incentive is your best outcome
- We’re accountable to you, before and after
A small fee, a big job
Genuine independence
The whole job, done
Ongoing watchfulness
The fee is tiny next to the saving
An optimised home loan can save lakhs over its remaining life. Our fee is a small fraction of that, and we show you the full math, including present value, before you pay a rupee. If the numbers don’t work for you, you walk away. No catch.
See the math for yourself.
Get a free savings report first. You only ever pay us if it’s clearly worth it, and you decide.