Bharosa Bhi, Loan Bhi
Loans, made
simple.
Compare options, check eligibility in a minute and apply through our lending partners.
We are a loan facilitation platform, not a lender.
Free tools
Plan before you borrow.
Compare loans
Know what you're getting into.
Personal loan
- Best for
- Planned expenses without putting anything up as security.
- Security
- Usually none.
- Keep in mind
- Rate depends on your credit profile. Compare total cost, not just the EMI.
Business loan
- Best for
- Working capital, stock, equipment and growth.
- Security
- Unsecured or secured, depending on the lender.
- Keep in mind
- Lenders look closely at cash flow, bank statements, ITR and GST.
Home loan
- Best for
- Buying, building or renovating a home.
- Security
- The property itself.
- Keep in mind
- Legal and technical checks take time. Tenures are the longest.
Vehicle loan
- Best for
- Buying a new or used vehicle.
- Security
- The vehicle.
- Keep in mind
- Check the down payment, insurance and foreclosure terms.
Loan against property
- Best for
- Larger funds using a property you own.
- Security
- The property.
- Keep in mind
- If repayments fail, the property is at risk. Borrow only what you can service.
MSME, Mudra and PMEGP
- Best for
- Small and new businesses using government-backed schemes.
- Security
- Depends on the scheme and the lender.
- Keep in mind
- Scheme limits, subsidies and rules change. We check the current terms for you.
Indicative interest rates
| Loan | Interest rate (per year) |
|---|---|
| Personal loan | 9.99% |
| Business loan | 11.99% |
| Home loan | 7.50% |
| Vehicle loan | 9.50% |
| Loan against property | 8% |
| MSME / Mudra / PMEGP | Scheme based. Ask us. |
Rates are indicative, depend on your profile and the loan, and are set by the lender after its checks.
How it works
Four steps, no surprises.
Tell us
Pick what you need and an amount. Three fields, under a minute.
Verify
Confirm your mobile and your consent to be contacted.
Match
We line up partner lenders that fit, with terms shown by the lender.
Decide
A specialist walks you through documents and status. You choose.
Already applied?
Track your application.
Enter your reference and the mobile number you used. We show exactly where you are.
Your status timeline will appear here.
Not approved yet? Get guided.
Our in-house consultants show you what to fix and how to apply again.
Bronze
15 minutes · Rs 6.60/min
- ✓One live call
- ✓Review of your profile and why applications fail
- ✓A personal checklist
- ✓A written summary on WhatsApp or email
• Consulting is guidance. It does not guarantee a loan or any approval.
• This fee is for the consultant's time only. It is separate from any loan and is never a fee to release, approve or process a loan.
Silver
30 minutes · Rs 4.97/min
- ✓Everything in Bronze
- ✓Time can be split over two calls
- ✓A 30 to 90 day improvement plan
- ✓Help preparing documents and your application for resubmission
- ✓One 5 minute follow-up
• Consulting is guidance. It does not guarantee a loan or any approval.
• This fee is for the consultant's time only. It is separate from any loan and is never a fee to release, approve or process a loan.
Gold
60 minutes · Rs 3.32/min
- ✓Everything in Silver
- ✓Time can be split over up to three sessions
- ✓A dedicated consultant
- ✓Application strategy and re-matching with partner lenders through loan facilitation
- ✓Two follow-ups
- ✓Priority scheduling
• Consulting is guidance. It does not guarantee a loan or any approval.
• This fee is for the consultant's time only. It is separate from any loan and is never a fee to release, approve or process a loan.
One-time purchase, not auto-debit. Valid 30 days. Minutes counted in 1-minute steps and logged by the consultant. Unused minutes expire. Already bought a plan? Open My plan.
FAQ
Good questions.
Disclosures
Clear about who we are.
Who we are
Bhartiya Loan Capital is a digital platform that helps you compare loan options and connect with lending partners.
Not a lender
We do not lend money or take credit decisions. All approvals, rates and terms are decided by the lending partner.
Business entity
Operated by Bhartiya Capital Advisory & Consulting LLP (LLPIN ACZ-6631).
Stay safe
We never ask for an upfront fee, OTP, PIN or password. Report suspicious activity to cybercrime.gov.in.
Ready when you are.
Tell us what you need. Free to apply, clear steps, real people.