Our Services | Personal Loan, Overdraft, Balance Transfer

Personal Loan

Quick financial support for personal requirements — medical emergencies, education, home renovation, or any planned expenses. Unsecured loans from ₹50K to ₹40L.

Learn More →

Overdraft Facility

Flexible revolving credit when you need it most. Manage short-term cash flow gaps without disrupting your business or personal finances. Pay interest only on usage.

Learn More →

Loan Balance Transfer

Reduce your financial burden by moving existing loans to lenders with lower interest rates. Save ₹2,000–₹10,000 per month with a smart balance transfer.

Learn More →

No collateral required — fully unsecured loan
Loan amounts from ₹50,000 up to ₹40 lakhs
Flexible tenure from 12 to 60 months
Competitive interest rates starting at 10.5% p.a.
Fast approval — disbursement within 24–72 hours
Minimal documentation with digital processing
Use for any purpose — no restriction on end use
Available through PayRupik Loan, RU Loans, Fast Credit, Wishfin, Finbros Finance & more

Apply for Personal Loan →

Age: 21 to 60 years (at loan maturity)
Employment: Salaried or Self-employed (2+ years business continuity)
Minimum income: ₹15,000/month for salaried; ₹2 lakh p.a. for self-employed
Credit Score: 700+ CIBIL preferred (650+ considered in some cases)
Residence: Indian citizen residing in India
Work experience: Minimum 1 year at current employer (salaried)

The following documents are typically required. Exact requirements vary by lender.

Aadhaar Card

PAN Card

Address Proof

3 Months Salary Slips

6 Months Bank Statements

Form 16 / ITR

Passport Photo

Employment Letter

With complete documentation, approvals can come within 24 hours and disbursement within 72 hours through our partner lenders like Fast Credit and PayRupik.

Yes, most lenders allow prepayment. Some may charge a foreclosure fee (typically 2–5% of outstanding principal) after a lock-in period of 6–12 months. We explain this clearly before you apply.

A hard inquiry happens when a lender checks your CIBIL during formal application. We first do a soft check to assess eligibility before submitting to lenders, minimizing unnecessary score impact.

Pay interest only on amount utilized — not the full sanctioned limit
Revolving credit — repay and reuse without reapplying
Ideal for managing business working capital and cash flow gaps
Limits based on income, property value, or FD collateral
Lower effective cost vs. term loans for short-term needs
No prepayment penalty — repay anytime to reduce interest

Apply for Overdraft →

Salaried professionals, self-employed, and business owners
Minimum 2 years of business operation (for business overdraft)
Adequate income / turnover as per lender norms
Good credit history with CIBIL score 700+
Property ownership may enhance OD limit (secured OD)

Aadhaar Card

PAN Card

12 Months Bank Statements

ITR Last 2 Years

Business Financial Statements

GST Certificate (if applicable)

Business Registration Proof

Property Documents (secured OD)

For recurring, short-term cash flow needs, an OD is usually more cost-effective since interest is only on utilized amount. For large one-time capital requirements, a term loan may be better. We assess your situation and recommend the right product.

Yes. Unsecured overdraft facilities are available based on income and credit profile. Secured OD (against property or FD) typically offers higher limits and lower rates.

Reduce monthly EMI by switching to a lower interest rate
Top-up loan option available with balance transfer
Extend or shorten loan tenure as per your convenience
Potential savings of ₹2,000–₹10,000 per month
Better service and terms from a new lender
We calculate exact savings before initiating the process

Check Transfer Savings →

Minimum 12 months of EMI repayment track record on existing loan
No default or delayed payments in recent history
CIBIL score 700+ preferred
Current interest rate higher than available market rates
Continuing employment / business income

Aadhaar Card

PAN Card

Existing Loan Statements

6 Months Bank Statements

3 Months Salary Slips

Form 16 / ITR

Foreclosure Letter

NOC from Current Lender

A balance transfer is worthwhile when interest savings over the remaining tenure exceed the costs involved (foreclosure charges + processing fee). We calculate this for you. Typically beneficial when rate difference is 1.5% or more.

A balance transfer involves a new loan application which creates a hard inquiry. However, if managed well, it improves your credit profile over time through lower EMIs and consistent on-time payments.

Our Financial Services

Personal Loan

Overdraft Facility

Loan Balance Transfer

Personal Loan

Overdraft Facility

Loan Balance Transfer

Real Results, Real People

Ready to Apply?