Loans

Borrow at your rate,
not the bank's.

AI-underwritten loans across personal, business, home, LAP and LAMF. Pre-approved in minutes, disbursed in hours.

Personal Business Home Loan LAP LAMF
Pre-approved limit
₹12L
AI Score: 812
3 loan products available
Personal Loan
10.5%
from p.a.
Business Loan
11.2%
from p.a.
Home Loan
8.75%
from p.a.
Limit calculated from your profile
01 — Personal Loan
01

Money when
you need it most.

AI-underwritten personal loans from ₹50,000 to ₹25L. No collateral, no branch visit. Approved in under 10 minutes using your income, credit score, and spending data. Funds in your account within 4 hours.

  • ₹50K–₹25L loan amount — flexible tenure 12–60 months
  • AI approval in 10 minutes — income, ITR, and bank statement analysed automatically
  • Interest from 10.5% p.a. — AI finds the best rate from 15+ lending partners
  • Pre-payment and foreclosure with zero penalty after 6 months
Personal Loan · Pre-approved
Instant Disbursal
Loan Amount
₹3,00,000
₹50K ₹25L
Tenure
24 mo
Rate p.a.
11.2%
Processing
₹0
Monthly EMI
₹14,080/mo
Partner offers
IDFC First Bank
11.0%
Best
Axis Bank
11.5%
Kotak Mahindra
11.8%
02 — Business Loan
02

Capital for
your next move.

Unsecured business loans from ₹5L to ₹2Cr. AI underwrites using GST turnover, bank statements, and receivables — no property collateral needed. Working capital, equipment, expansion — funded in 24 hours.

  • ₹5L–₹2Cr — term loans and revolving credit lines
  • AI underwriting from GST data — no CA certificate required for pre-approved borrowers
  • Business loan rates from 11.5% p.a. — rate depends on GST turnover and repayment history
  • Overdraft facility — draw and repay flexibly, pay interest only on what you use
Working Capital OD
₹25L Limit
28% Utilised
Drawn
₹7L
Available
₹18L
Upcoming repayments
Mar 1, 2026
OD Interest
₹12,400
Mar 15, 2026
Repayment
₹50,000
Rate on drawn amount 13.5% p.a.
03 — Home Loan
03

Own your home.
At the rate you deserve.

Home loans from 8.75% p.a. AI compares rates from SBI, HDFC, ICICI, Kotak and 10+ lenders, processes documents in one upload, and tracks your disbursement — all without a single branch visit.

  • Loans up to ₹5Cr — up to 90% LTV on properties below ₹30L
  • AI lender match — finds your lowest rate based on income, credit score, and property type
  • Single upload for all documents — AI extracts, validates, and submits to chosen lender
  • Balance transfer — move your existing home loan to a lower rate in 7 days
Home Loan Eligibility
Karthik Sharma
Eligible amount
₹68L
Best rate (SBI)
8.75% p.a.
EMI (₹50L / 20yr)
₹43,800/mo
Lender Rate p.a. Type
SBI
8.75%
 Floating
HDFC
8.85%
 Floating
ICICI Bank
8.90%
 Floating
Kotak
8.95%
 Fixed
Processing: Documents verified
04 — Loan Against Property
04

Your property.
Your leverage.

Loan Against Property — unlock up to 60% of your property's market value as a loan. Lower rates than personal loans (from 9.5% p.a.), larger ticket sizes (up to ₹10Cr), and longer tenure (up to 15 years). Ideal for business needs, education, or large expenses.

  • Up to 60% LTV — residential and commercial property accepted
  • Rates from 9.5% p.a. — lower than personal loans by 2–3%
  • Loan up to ₹10 Cr — tenure up to 15 years with step-down EMIs
  • AI property valuation — preliminary assessment in 24 hours, no physical survey needed initially
Loan Against Property
Residential
Property value (AI assessed)
₹1.8 Cr
3 BHK, Whitefield, Bengaluru
AI Valued
LTV: 60% of ₹1.8 Cr Max ₹1.08 Cr
60% LTV cap applied
Rate from
9.75% p.a.
Tenure
Up to 15 yr
EMI (₹75L/10yr)
₹97,400/mo
Max loan
₹1.08 Cr
Lender options: SBI PNB Housing LIC HFL
Valuation: AI pre-assessed · Physical survey on disbursal
05 — Loan Against Mutual Funds
05

Liquidity without
selling your funds.

Pledge your mutual funds as collateral and get an overdraft credit line instantly — without redeeming your investments. Keep your SIPs running, your portfolio intact, and access cash from 10.5% p.a. for short-term needs.

  • Pledge equity or debt MFs — get up to 50% of NAV as OD instantly
  • Portfolio stays invested — SIPs continue, returns keep compounding
  • Interest only on amount drawn — repay anytime, no prepayment penalty
  • Approved in under 5 minutes — fully digital, no paperwork
Pledge & Overdraw
₹6.5L Limit
Total OD limit
₹6.5L
Pledged funds NAV
₹13L
Pledged holdings
Parag Parikh Flexi Cap
NAV ₹8L
₹4L drawable
HDFC Short Duration Fund
NAV ₹5L
₹2.5L drawable
Drawn
₹0
Available
₹6.5L
OD rate on drawn amount
10.75% p.a.
Interest today: ₹0