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Indicative rates and eligibility across our panel. Your actual offer depends on your profile, and we will tell you where you sit before you apply anywhere.
Rates move. These were last reviewed this quarter and are starting rates for strong profiles — treat them as a reference point, not a quote.
| Product | Indicative rate | Ticket size | Tenure | Security |
|---|---|---|---|---|
| Personal Loan | 10.49% – 18% p.a. | ₹50K – ₹40L | 12 – 72 months | None |
| Business Loan | 12.00% – 21% p.a. | ₹2L – ₹5 Cr | 12 – 84 months | Optional |
| Home Loan | 8.35% – 10.25% p.a. | ₹5L – ₹10 Cr | Up to 30 years | Property |
| Loan Against Property | 9.25% – 13.50% p.a. | ₹10L – ₹15 Cr | Up to 15 years | Property |
Rates are indicative, subject to lender credit policy, and exclusive of processing fees, stamp duty and applicable taxes.
Money for a wedding, a medical bill, a course, a relocation — or to replace expensive card debt with something far cheaper.
Card balances in India commonly run at 36–44% annualised. Moving that to a personal loan near 11% is usually the single largest saving an individual can make, and it is the request we handle most often.
PAN and Aadhaar, three months of salary slips or two years of ITRs, six months of bank statements, and proof of current address.
Credit shaped around how your business actually collects, rather than a repayment schedule that ignores your cycle.
A firm with ninety-day receivables and a monthly EMI is being set up to struggle. We look at your cash conversion cycle first and then choose between a term loan, an overdraft line and invoice discounting — often a combination.
Most lenders want two years of filed returns and GST records. If you are younger than that, there are still three or four options on our panel worth a conversation.
The largest borrowing most people ever undertake, and the one where a small rate difference compounds into a very large number.
On a ₹60 lakh loan over 20 years, half a percentage point is roughly ₹4.1 lakh in interest. That is the entire reason comparing properly is worth the effort — and why we also review existing loans for a worthwhile transfer.
Only if the saving survives the costs. We model it before recommending it, including:
If it does not clear the costs comfortably, we will tell you to stay put.
Loan-to-value is typically 50–70% of assessed market value, depending on property type and location.
Capital at secured rates, without selling the asset or moving out of it.
LAP is the right answer when the requirement is large, the horizon is long, and unsecured pricing would be punishing — business expansion, a property purchase elsewhere, education abroad, or consolidating several costly facilities into one.
It is the wrong answer when the need is short-term and modest. We will say so, because the processing cost and the charge on your property are not worth it for a small, brief requirement.
A 15-minute conversation, a soft-check eligibility view across our lender panel, and an honest answer — including when the answer is “not yet, and here is why”.
