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Your financial freedom is just a few clicks away. Download our app today and get the money you need to achieve your dreams and live your best life.
Our Products
Choose the right loan for you
Short Term Loan
When you need a quick cash infusion to cover unexpected expenses or bridge a gap in your finances, our short term loans are the perfect solution. With fast approval and flexible repayment terms, you can get the money you need when you need it.
Personal Loan
A personal loan can help you achieve your goals and live the life you want. Whether you're planning a wedding, renovating your home, or taking a dream vacation, our personal loans offer competitive rates and flexible repayment options to suit your needs.
Benefits
Why we are right for you
Instant Loan Disbursement
Get the money you need in your bank account within minutes of approval. Our streamlined process ensures that you get your funds as quickly as possible, so you can take care of your financial needs without delay.
Easy Repayment
We offer flexible repayment options to suit your budget and financial situation. You can choose a repayment term that works for you, and make payments online or through our mobile app for added convenience.
Security
We take the security of your personal and financial information seriously. Our platform uses the latest encryption technology to ensure that your data is safe and secure, so you can apply for a loan with confidence.
Risks
Know the risks before you apply
Relatively High Interest Rate
Short-term loans often come with higher interest rates compared to traditional bank loans. Make sure you understand the total cost of borrowing before you apply.
Residents Only
Our loan services are currently available to Indian residents only.
Salary-Based Loan
Our loans are primarily based on your salary and income. Make sure you have a steady source of income before you apply for a loan.
Terms and Conditions
By using Bharat Loan's services, you agree to be bound by these Terms and Conditions. Bharat Loan is a platform that connects borrowers with registered lenders and NBFCs. All loan applications are subject to approval based on the lender's criteria. Please read our complete terms carefully before proceeding. Read More
Loan Eligibility Criteria
- Must be an Indian citizen
- Age: 21 – 60 years
- Must have a regular source of income
- Minimum monthly income: ₹15,000
- Valid ID and Address proof required
Documents Required
- PAN Card
- Aadhaar Card
- Salary slips for the last 3 months
- Bank statement for the last 6 months
- Passport size photograph
Transparency
Rates and Fees
- Monthly Interest Rate: 2.5%
- Maximum Annual Percentage Rate (APR): 30% (Maximum)
- Minimum Repayment Period: 62 Days and Above
- Loan Amount Range: ₹5,000 to ₹5,00,000
- Processing Fee: 10%
- GST on Processing Fee: 18%
Representative Example
| Loan Amount | APR | Tenure | Processing Fee | Interest | Total Amount Paid | Monthly EMI |
|---|---|---|---|---|---|---|
| ₹50,000 | 30% | 6 Months | ₹5,000 | ₹7,500 | ₹62,500 | ₹10,417 |
| ₹1,00,000 | 30% | 12 Months | ₹10,000 | ₹30,000 | ₹1,40,000 | ₹11,667 |
Bharat Loan is a platform that facilitates loan transactions between borrowers and NBFCs/Banks. All loan applications are approved and sanctioned by NBFCs/Banks registered with RBI.
Application Process
How to apply for a loan
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Complete Application Form
Fill in your basic details and professional information through our simple online application form.
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Upload a Photograph
Upload your recent passport-size photograph or selfie for identity verification.
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Identity (ID) Proof
Submit your PAN Card, Aadhaar Card, Voter ID, or other government-issued identity proof.
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Address Proof
Provide utility bills, rent agreement, Aadhaar, or any valid document showing your current address.
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Income Proof
Upload your bank statements and salary slips to verify your income and repayment capacity.
Bharat Loan Statistics
