Personal loan
For a medical bill, a wedding, a renovation or debt consolidation. No collateral, no end-use proof for most lenders.
10.49%From
₹50K – 40LTicket
12 – 72 moTenure
Matching against 42 lenders
One form.
One form.
Every lender that fits you.
Banks reject files for reasons they rarely explain. We read your profile first, compare rate, fee and approval odds across our lender panel, then file with the ones most likely to say yes. You pay us nothing — the lender does.
₹850 CrDisbursed through our panel
12,400+Files funded since 2019
4 daysMedian sanction, unsecured
Lender match
Indicative · 60 seconds · No credit check
₹10,00,000
5 years
You could borrow up to
₹18,40,000
Lenders matched
6
Estimates only. Your final rate, fee and sanction are decided by the lender after underwriting.
Get exact offersOur lending panel
01 — What we place
Eight products, one file.
Submit your documents once. We map them to whichever product actually fits — sometimes that isn't the one you came in asking for.
Home loan
Purchase, construction, plot-plus-construction or resale. Includes builder tie-ups and pre-approved sanction before you book.
8.35%From
Up to 90%Of value
Up to 30 yrTenure
Business loan
Working capital, expansion or machinery for proprietors, partnerships and private limited companies. Banking-turnover programmes available.
14.00%From
₹2L – 75LTicket
12 – 48 moTenure
Loan against property
Mortgage residential, commercial or industrial property. The cheapest large-ticket money available to most self-employed borrowers.
9.10%From
Up to 75%Of value
Up to 20 yrTenure
Car loan
New and pre-owned. On-road funding at 100% for select profiles, plus refinance against a car you already own.
8.75%From
Up to 100%On-road
12 – 84 moTenure
Balance transfer & top-up
Move an expensive home loan, LAP or personal loan to a cheaper lender — and draw a top-up on the same security while you do it.
8.40%From
₹4–9 LTypical saving
NilForeclosure*
Overdraft & cash credit
A renewable limit you draw against and repay freely. Interest is charged only on what you actually use.
10.50%From
₹5L – 5 CrLimit
AnnualRenewal
Professional loan
For doctors, chartered accountants, architects and lawyers. Underwritten on qualification and practice vintage, not just ITR.
11.50%From
Up to ₹1 CrTicket
12 – 84 moTenure
02 — Run the numbers
What it actually costs.
Interest is the part everyone quotes. Add the processing fee and the years, and the picture changes. Move the sliders and watch the total.
₹25,00,000
8.75%
20 years
1.00%
Deducted from your disbursal, so you receive less than you borrow.
₹0
Add a yearly lump sum to see how much interest and time it saves.
Monthly EMI₹22,093
Total interest₹28.0 L
Total payable₹53.0 L
Amount in hand ₹24,75,000
Loan closes in 20 yr 0 mo
Where each year's money goes
Principal repaid
Interest paid
Extra payment
03 — How a file moves
Five stages, and you'll know which one you're in.
Every file gets one relationship manager from first call to disbursement. You get their direct number, not a call centre queue.
Profile read
A 15-minute call on income, obligations, bureau report and end use. We flag anything that will cause a rejection before it goes anywhere.
Lender shortlist
We put your profile against the panel's current credit policies and show you three to five real options with rate, fee and tenure side by side.
Documents
Pickup at your home or office, or upload to us. We check every page before login so the file doesn't bounce back on a technicality.
Login & underwriting
We file with your chosen lender, handle the verification calls, valuation and legal, and chase the credit team daily until a decision lands.
Sanction & disbursal
We read the sanction letter with you line by line — rate type, fees, foreclosure terms — before you sign anything.
04 — Why go through us
A bank shows you one offer.
We can see forty-two.
Applying directly to four banks yourself means four bureau enquiries and a falling score. One conversation with us costs your credit report nothing.
You pay us nothing
Our payout comes from the lender after disbursal. Any advance-fee demand in our name is a fraud — report it to the number in the footer.
One enquiry, not five
We assess you on a soft check first and only log a formal application where approval odds are genuinely high.
We know each lender's policy
Cut-off vintage, negative pincodes, accepted income proofs, minimum bureau score. The unwritten rules that actually decide files.
Rejected elsewhere? Still talk to us
Most rejections are structural — wrong programme, wrong lender, a missed co-applicant. Roughly a third of the files we fund arrived rejected.
Doorstep, or entirely online
Document pickup across our service cities, or a fully digital file if you'd rather never meet anyone.
We stay after disbursal
Foreclosure letters, NOC and property paper retrieval, top-ups and rate reviews when the repo moves. The relationship doesn't end at payout.
05 — Before you apply
What lenders look at.
These are the common thresholds across our panel. Individual lenders sit above or below them, which is exactly where a shortlist earns its keep.
06 — Keep these ready
The document list, honestly.
Most delays are a missing page, not a credit decision. Pick your product and we'll show you exactly what the file needs.
07 — Indicative pricing
Today's starting rates.
Published rates are the best case: strong bureau score, clean banking, salaried at a listed employer. Read the fee column as carefully as the rate column.
| Product | Rate from | Typical band | Processing fee | Max tenure | Foreclosure |
|---|---|---|---|---|---|
| Home loan | 8.35% | 8.35 – 10.40% | 0 – 0.50% + GST | 30 years | Nil (floating) |
| Balance transfer — home | 8.40% | 8.40 – 9.75% | 0 – 0.35% + GST | 30 years | Nil (floating) |
| Loan against property | 9.10% | 9.10 – 13.50% | 0.50 – 1.50% + GST | 20 years | Nil (individual, floating) |
| Car loan — new | 8.75% | 8.75 – 12.00% | ₹3,000 – 1.00% | 7 years | 3 – 5% of outstanding |
| Car loan — pre-owned | 12.50% | 12.50 – 17.00% | 1.00 – 2.00% + GST | 5 years | 3 – 6% of outstanding |
| Personal loan | 10.49% | 10.49 – 24.00% | 1.00 – 3.00% + GST | 6 years | 2 – 5% after lock-in |
| Overdraft / cash credit | 10.50% | 10.50 – 16.00% | 0.50 – 1.50% + GST | Renewable | Not applicable |
| Professional loan | 11.50% | 11.50 – 18.00% | 1.00 – 2.00% + GST | 7 years | 2 – 4% after lock-in |
| Business loan — unsecured | 14.00% | 14.00 – 26.00% | 1.00 – 3.00% + GST | 4 years | 4 – 6% after lock-in |
Updated 1 August 2026. Indicative only and not an offer of credit. Floating rates move with the RBI repo rate or the lender's internal benchmark. Your final rate depends on bureau score, income, employer or business profile, property and tenure.
Representative example
A personal loan of ₹5,00,000 for 4 years at 13.50% p.a. (fixed, reducing balance) has an EMI of ₹13,538. A processing fee of 2% + GST (₹11,800) is deducted at disbursal, so ₹4,88,200 reaches your account. Total repaid over 48 months is ₹6,49,832 — of which ₹1,49,832 is interest. Representative APR including the fee: 14.80%.
08 — In their words
What borrowers say.
“
Two banks had already turned me down and nobody told me why. CreditSetu found it in ten minutes — an old credit card settlement showing on my report. They got it corrected, and the loan sanctioned six weeks later.
RKRamesh K.Personal loan · Bengaluru
“
I was set on the bank I already had my salary account with. They ran the comparison and showed me 0.6% lower elsewhere. On a 22-year home loan that is a lot of money to leave on the table.
SNSneha N.Home loan · Hyderabad
“
Running a fabrication unit, my ITR never reflects actual turnover. They put me on a banking-turnover programme instead of a standard business loan. ₹40 lakh, sanctioned in nine days.
AVAnil V.Business loan · Pune
09 — Questions
Asked often, answered plainly.
What exactly is a DSA, and who pays you?
A Direct Selling Agent is an authorised channel partner of a bank or NBFC. We source, verify and file your application — the lender underwrites and sanctions it. The lender pays us a commission after disbursal. You pay us nothing, at any stage.
Will checking my eligibility here hurt my credit score?
No. The calculator on this page is arithmetic — it never touches your bureau file. A hard enquiry is only recorded when you authorise us to formally log an application with a specific lender, and we'll tell you before that happens.
Can you guarantee my loan will be approved?
No, and be wary of anyone who does. Sanction is entirely the lender's decision, made on their credit policy and your profile. What we can do is pick lenders whose policy fits you, and present the file properly so a good application isn't rejected on presentation.
How long does it take?
Unsecured loans — personal, business, professional — typically sanction in two to seven working days with complete documents. Secured loans need valuation and legal opinion on the property, so budget three to five weeks from login to disbursement.
I've been rejected before. Is it worth applying again?
Usually, yes — but not immediately, and not to the same lender. We'll pull the reason first. If it's a bureau error we'll help you dispute it; if it's a policy mismatch we'll route you to a lender whose programme fits. If the honest answer is "wait six months and rebuild", we'll tell you that instead of filing.
What is FOIR and why does it decide my amount?
Fixed Obligation to Income Ratio — the share of your monthly income already committed to EMIs. Most lenders cap total obligations, including the new loan, at 50–60% of net income. It's the single biggest constraint on how much you can borrow, which is why closing one small EMI can unlock a much larger sanction.
Is my data safe?
Your details are shared only with the lenders you approve, for the purpose of processing your application, and we retain them per the consent you give. We never sell data to third parties. Full details are in our privacy policy; to withdraw consent or request deletion, write to the grievance officer listed below.
10 — Start here
Tell us what you need.
Three short steps. A relationship manager calls you within one working day with a shortlist — not a sales pitch.
- ₹0No charge to youEver, at any stage. We're paid by the lender.
- SCSoft check firstNothing is logged with a lender until you say so.
- RMOne named personThe same relationship manager from call to disbursal.
Step 1 of 3 — What you need
✓
Application received
A relationship manager will call you within one working day. Keep your reference handy.
CS-000000