Unsecured loans,
made easy& transparent.

A Personal Loan is an unsecured loan that helps individuals meet financial requirements such as medical expenses, travel, education, wedding costs, home renovation and other planned or urgent needs. Since no collateral is required, approval is generally based on factors such as income, repayment capacity and credit history. Personal Loans come with flexible repayment tenure, competitive interest rates and convenient EMI options.

A Personal Loan can be used for multiple personal and financial requirements — medical emergencies, wedding expenses, home renovation, domestic or international travel, higher education or skill development courses, purchase of gadgets or appliances, and managing unexpected financial requirements. Personal Loans offer flexible usage with structured EMI repayment options.

Eligibility is assessed based on age, income, employment type, credit profile and repayment capacity. Salaried individuals should be between 18 and 58 years of age with a minimum monthly income of ₹30,000. Self-employed individuals should be at least 23 years old with stable business continuity and income records. Final eligibility is subject to internal assessment and verification.

A good CIBIL score plays an important role in loan approval and interest rate eligibility. A score of 750 and above is preferred. Banks also evaluate income stability, employment profile and existing financial obligations before approving a Personal Loan application.

Do's — Compare loan amount, interest rate and repayment tenure before applying. Check EMI affordability using a Personal Loan EMI Calculator. Maintain a healthy credit score for better eligibility. Read the applicable fees, charges and repayment terms carefully. Submit accurate income and employment details during application. Pay EMIs on time to maintain a strong repayment history. Don'ts — Avoid borrowing more than your repayment capacity. Do not apply for multiple loans simultaneously without requirement. Avoid delaying EMI payments or missing due dates. Do not ignore the total borrowing cost including charges and interest. Avoid sharing sensitive banking or OTP details with unknown sources.

A Business Loan is an unsecured loan designed for self-employed individuals and business entities. It can be used for business expansion, equipment purchase, working capital, or other operational needs, and is repaid in equal monthly instalments (EMIs).

Eligible entities include Proprietorship Firms, Partnership Firms and LLPs (Limited Liability Partnerships), Private Limited and Public Limited Companies, as well as Self-Employed Professionals such as Doctors, Chartered Accountants, Company Secretaries, Architects, and Cost & Works Accountants, subject to income and practice stability criteria.

The minimum business vintage required to apply for a Business Loan is 3 years. The business should have been operational and filing regular GST returns and ITRs for at least this period.

Interest rates for Business Loans start from 13.25% per annum, with rates varying based on loan type, tenure, and the applicant's financial profile. Final rates are determined at the time of sanction based on business financials and credit assessment.

Key documents include GST returns and Income Tax Returns (ITR) for the last 2-3 years, audited financial statements, business entity or continuity proof, and KYC documents of the business and promoters. Additional documents may be requested based on the loan amount and business type.

You get a preferred processing fee, priority processing and simpler documentation if you hold a Current / Savings Account with the respective lender. This is taken into account at the time of disbursal. You can also pay via standing instructions to debit your account with the EMI amount.

You can avail of a loan from ₹50,000 to ₹1 crore depending on your income, repayment capacity and the respective location product cap.

You pay the loan in equal monthly instalments (EMIs) through post-dated cheques, Electronic Clearing System (ECS), or a standing instruction to debit your account with the EMI amount.

There is absolutely no need to provide any security or collateral to obtain the loan.

You can repay your loan over a period of 12 to 60 months.

A Balance Transfer allows you to move the outstanding amount of an existing personal, business or professional loan from another bank or NBFC to one of our partner lenders. The lender pays off your existing loan, and you repay them at a lower interest rate and on more favourable terms.

Existing personal loans, business loans, and professional loans from any bank or NBFC can be transferred. The existing loan must have a minimum outstanding balance of ₹1 lakh and at least 12 months of timely EMI payments.

You benefit from lower EMIs through reduced interest rates, the convenience of consolidating multiple loans into one repayment, flexible repayment tenures, and the continued door-step service and support from our dedicated sales team across Maharashtra.

Processing fees and charges, if applicable, are communicated upfront before the transfer. Our partner lenders provide a fully transparent fee structure with no hidden costs. Any applicable charges will be clearly explained by our advisor during the application process.

The transfer process is designed to be quick once all required documents are submitted, the transfer is typically completed within 3–7 working days, subject to verification and approval by the respective lender.