Borrower protection platform
Read before you sign. Know before you suffer.
BeAwareOfBanks decodes every clause in your agreement so you understand risk, rights, and recovery exposure before the bank does.
50Cr+
Loan accounts in India
7 in 10
Borrowers never read the fine print
Rs 0
Cost to check your first agreement
Live clause scan
DraftCritical
Cross-default clause
Any default on another loan can trigger immediate recall of the full facility.
Critical
Unilateral rate revision
The bank can revise your interest rate without prior notice.
Review
Guarantee scope
Guarantor liability is co-extensive. The bank can pursue the guarantor first.
Review
Negative covenant
You cannot sell or restructure key assets without written approval.
Fair
Prepayment terms
No prepayment penalty after 12 months. Aligned to fair practice norms.
Our founding commitment
We will never take money from a bank.
BeAwareOfBanks does not accept advertisements, sponsorships, or affiliations from any bank, NBFC, or insurance company. Our platform is funded entirely by users, so we can warn borrowers without compromise.
No bank ads
No advertisements appear in the interface or in reports.
No affiliations
Bank ratings are based on data, not commissions.
User funded only
Your fee keeps the platform borrower-first.
The process
How it works
Upload your agreement
Loan agreements, guarantee deeds, or insurance policies in PDF, DOC, or image format.
AI reads every clause
Cross-referenced against RBI, IRDAI, and court precedents to flag risk.
Get a clear report
Plain-language report, risk ratings, and steps you can take before signing.
Platform features
Everything you need to sign safely.
Agreement intelligence
Clause-by-clause analysis with red flag detection and plain-language guidance.
Loans - Insurance - GuaranteesRecovery pathway map
Understand SARFAESI, DRT, IBC, and other recovery actions before they happen.
Know your legal exposureBank behavior ratings
Compare recovery aggressiveness, settlement willingness, and guarantor pursuit.
40+ banks trackedGuardian Advisor
Ask follow-up questions with your report and banking context in one workspace.
Chat with evidenceExpert network
Escalate complex clauses to verified advocates and domain specialists.
Human review when neededPrivacy first
Encrypted upload and immediate deletion once analysis is complete.
User funded - zero bank adsBank intelligence
Not all banks are equal.
Interest rate is the last thing that matters when you default. We rate banks on recovery behavior, settlement willingness, and guarantor pursuit so you choose wisely.
View full rankingsState Bank of India
Public sector
HDFC Bank
Private sector
Bank of Baroda
Public sector
ICICI Bank
Private sector
Canara Bank
Public sector
Ratings based on public court data, regulator filings, and borrower reports.
Free analysis
Upload your agreement now.
No registration required. No credit card. Just your agreement and 3 minutes.
Drop your agreement here
Loan agreements - guarantee deeds - mortgage documents - insurance policies
Choose file to uploadAccepted: PDF - JPG - PNG - DOC - DOCX - Max 20MB
256-bit encrypted - never stored - DPDP compliant
What borrowers say
Trusted by borrowers across India.
Five star review
Found a cross-default clause that would have let the bank recall my loan. I renegotiated and got it removed.
Rajesh M.
SME owner, Surat
Five star review
A claim rejection clause was decoded in minutes. The report showed exactly what to file and where.
Priya S.
IT professional, Bengaluru
Five star review
Finally understood my guarantee exposure before signing. Saved me from a very aggressive scope.
Amit D.
NRI borrower, Dubai