Poonawalla Fincorp App Reviews, Customer Care Number & Details

Instant personal loans of ₹50,000 to ₹5 lakh from a listed, RBI-registered NBFC, fully digital with zero foreclosure from own funds.

This Poonawalla Fincorp app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified Poonawalla Fincorp customer care number, WhatsApp channel and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

NBFCZero PrepaymentZero ForeclosureRBI RegulatedSelf-Employed OK
Reviewed by BankCreds App Review Team· App Review Analysts Updated 28 July 2026

Poonawalla Fincorp is one of the few instant-loan apps where the lender behind the app is a listed, RBI-registered NBFC lending its own money, with no fintech partner in between. Loans run ₹50,000 to ₹5 lakh over 12 to 36 months, the process is a fully digital PAN-plus-Aadhaar journey, and foreclosure from your own funds costs nothing. That last part is genuinely rare in this space.

The catch is the price and the gate. The instant product starts at 16% p.a. with no published upper cap, well above the 9.99% headline Poonawalla advertises for its regular personal loan. The processing fee runs up to 5% plus taxes, and you'll need roughly a 720 CIBIL score to get in. Borrowers also report aggressive recovery calls, sometimes for a single day's delay.

Quick Facts

₹5L

Max Loan

16% p.a. onwards (no published cap)

Interest Rate

Claims credit within minutes of approval (100% digital)

Disbursal

12 – 36 months

Tenure

Up to 5% + taxes (instant loan); regular PL 0–3%

Processing Fee

₹25,000/month (approx.)

Min Income

Our Ratings

Disbursal speed 4.0/5

A fully digital PAN + Aadhaar journey with credit claimed within minutes of approval, though the speed claim is the lender's own.

Interest & cost 3.0/5

A 16% floor with no published cap and a fee up to 5% + taxes; the 9.99% headline belongs to a different product. Zero foreclosure from own funds softens the blow for prepayers.

App experience 4.0/5

A clean, minimal-documentation flow with 5M+ installs, though the in-store rating isn't independently verifiable.

Customer support 3.0/5

Formal RBI-mandated grievance machinery exists, but users report recovery-call barrages and slow fixes to CIBIL reporting errors.

Safety & transparency 4.0/5

A listed, RBI-registered ND-SI NBFC lending directly, so entity risk is low. The missing rate cap and conduct complaints cost it a higher score.

Loan Details & Charges

Loan Amount ₹50,000 – ₹5 lakh
Interest Rate 16% p.a. onwards (no published cap)
Tenure 12 – 36 months
Processing Fee Up to 5% + taxes (instant loan); regular PL 0–3%
Late Payment Penal charge 24% p.a. on the overdue EMI
Prepayment Nil if prepaid from own funds
Foreclosure Nil from own funds; 4% + taxes if closed via balance transfer
Bounce Charges ₹500 per bounced instalment

Eligibility Criteria

Age 24-55 years
Min Income ₹25,000/month (approx.)
CIBIL Score 720+
Employment salaried, self-employed
Documents PAN card, Aadhaar (digital KYC), bank account for disbursal and e-mandate

What It Actually Costs

Loan amount ₹3,00,000
Tenure 36 months
Monthly EMI ₹10,846
Total interest ₹90,456
Processing fee Up to ₹15,000 (5%) + GST
Total repayment ₹3,90,456

Illustrative at an assumed 18% p.a., slightly above the 16% floor. Poonawalla publishes no upper cap for the instant loan, so your actual rate and total cost depend on your profile. Prepaying from own funds costs nothing extra.

Try the Poonawalla Fincorp EMI calculator

Pros

  • Direct lending by a listed, RBI-registered NBFC (Poonawalla group, operating since 1989 as Magma), not a partner-model fintech
  • Zero prepayment and foreclosure charges when paying from your own funds, rare among instant-loan apps
  • Fully digital PAN + Aadhaar process, with credit claimed within minutes of approval
  • Minimal documentation for the instant product: PAN, Aadhaar and a bank account
  • The same lender offers regular personal loans up to ₹50 lakh at 9.99% onwards if you need a bigger, cheaper ticket

Cons

  • The instant loan starts at 16% p.a. with no published upper cap, far above the 9.99% regular-PL headline
  • Processing fee up to 5% plus taxes on the instant product, steep for a large NBFC
  • Tight gate: age 24–55, roughly ₹25,000 monthly income and a CIBIL score around 720+
  • Penal charge of 24% p.a. on overdue EMIs plus ₹500 per bounce, and 4% + taxes to close via balance transfer
  • User-reported aggressive automated recovery and CIBIL disputes over closed loans still shown as outstanding

Our Verdict

Poonawalla Fincorp suits borrowers with clean files who want NBFC-grade legitimacy with app-loan speed. It's a direct, listed, RBI-registered lender operating since 1989 (as Magma Fincorp), and zero prepayment and foreclosure charges from own funds mean you can clear the loan early without penalty. If you plan to prepay, that alone can save you real money. But don't confuse the two products. The 9.99% you've likely seen advertised belongs to the regular personal loan; the instant app loan starts at 16% p.a. and Poonawalla publishes no upper cap, so your actual rate is a black box until the offer screen. Stack a processing fee of up to 5% plus taxes on top and the true cost can approach fintech territory, from a lender whose gate (age 24–55, roughly ₹25,000 monthly income, CIBIL ~720) is strict enough that many applicants could qualify for cheaper credit elsewhere. One more caution: recovery conduct. Users allege automated call-and-WhatsApp barrages for short delays, and closed loans left showing outstanding on CIBIL. Keep your e-mandate funded, collect a no-dues certificate at closure, and check your credit report a month later.

Who Poonawalla Fincorp suits

Salaried or self-employed borrowers aged 24–55 with a CIBIL score around 720 or higher
Anyone planning to prepay early, since foreclosure from own funds is free
Borrowers who want a direct, listed NBFC rather than a partner-model fintech app
Customers who may later want the regular personal loan, up to ₹50 lakh at 9.99% onwards

Look elsewhere if

Your CIBIL is below ~720 or your income is under roughly ₹25,000 a month; MoneyView or Fibe accept weaker files
You have a clean 750+ file; a bank, or Poonawalla's own regular PL, will likely beat 16%
You're sensitive to recovery-call pressure; conduct complaints here are frequent and specific

Things to Watch

  • The 9.99% rate you may have seen advertised is for the regular personal loan; the instant app product starts at 16% with no published cap, so confirm your exact rate on the offer screen before accepting
  • Borrowers allege recovery barrages (calls, WhatsApp messages, system-generated legal notices) even for one-day delays; keep your e-mandate account funded and EMI dates diarised
  • Multiple users report closed loans still showing outstanding on CIBIL, and some allege loans on their report they never took; collect a no-dues certificate and re-check your credit report after closure

How to Apply for Poonawalla Fincorp

  1. 1

    Register on the app or website

    Download the Poonawalla Fincorp app or open the instant personal loan page, then register with your mobile number and OTP.

  2. 2

    Complete digital KYC

    Verify your PAN and Aadhaar. The journey is 100% digital with no branch visit or physical paperwork.

  3. 3

    Choose amount and tenure

    Pick between ₹50,000 and ₹5 lakh over 12 to 36 months, and note the exact rate and processing fee shown on your offer before accepting.

  4. 4

    Set up the e-mandate and receive funds

    Register the repayment e-mandate on your bank account. On approval, Poonawalla claims the money reaches your account within minutes.

Documents Required

PAN card
Aadhaar (for digital KYC)
Active bank account for disbursal and e-mandate registration

What Real Users Say

The app shows 5M+ Play Store installs, but its in-store rating isn't independently verifiable; a third-party site reports around 4.3★. MouthShut hosts predominantly negative recent reviews, mostly about conduct rather than the app itself.

Users like the speed and the Poonawalla-group brand; recovery conduct and credit-report accuracy draw the sharpest complaints.

What users love

Borrowers praise the fast, fully digital approval, the minimal PAN-plus-Aadhaar documentation, zero foreclosure from own funds, and the credibility of a listed group NBFC.

Common complaints

Users report unprofessional recovery calls even for one-day delays, automated barrages across calls, WhatsApp and system-generated legal notices, closed loans still showing outstanding on CIBIL, alleged fraudulent loans on credit reports, and unwanted marketing calls.

How Poonawalla Fincorp Compares

vs Bajaj Finserv — The benchmark large-NBFC rival: Bajaj wins on ticket size (₹55 lakh) and a lower 685 CIBIL bar, while Poonawalla wins on zero foreclosure from own funds. Both keep their real rate spreads wide.

vs MoneyView — MoneyView accepts lower scores and incomes than Poonawalla's ~720 bar, at higher rates. If you clear Poonawalla's gate, its NBFC-direct model is the sturdier pick.

vs Fibe — Fibe is a salaried-focused instant app with comparable speed and smaller tickets. It fits younger borrowers who miss Poonawalla's 24–55, 720-CIBIL gate.

How we tested

We reviewed Poonawalla Fincorp's published instant-loan rates, fees and eligibility terms, cross-checked the lender against RBI NBFC records and rating-agency filings, and read recent borrower feedback across the Play Store, MouthShut and consumer-complaint forums. Conduct complaints are user-reported allegations, not adjudicated findings. Figures are accurate as of July 2026 and profile-dependent, so always confirm your exact rate and a full charges breakdown before signing.

Poonawalla Fincorp Customer Support Details

Poonawalla Fincorp publishes a full set of channels — toll-free number, WhatsApp and email, plus a separate grievance address. Because Poonawalla also acts as the regulated lender behind several partner apps, mention which app or product you borrowed through so your file is located on the first call rather than the third.

Poonawalla Fincorp customer care number 1800-266-3201
Poonawalla Fincorp WhatsApp number +91 8806222222
Poonawalla Fincorp customer support email ID customercare@poonawallafincorp.com
Poonawalla Fincorp grievance officer email grievance@poonawallafincorp.com

Verified from Poonawalla Fincorp's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full Poonawalla Fincorp customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is Poonawalla Fincorp RBI registered?
Lending in India can only be done by an RBI-regulated bank or NBFC, but many loan apps are not themselves the lender — they are digital lending platforms operating for a partner NBFC. To verify for yourself: open the app and find the lender name it is required to disclose, then search that exact name in the RBI's public list of registered NBFCs on rbi.org.in. If an app will not tell you which regulated entity is lending you the money, treat that as a reason not to borrow from it.
What is the Poonawalla Fincorp customer care number?
The Poonawalla Fincorp customer care number is 1800-266-3201. WhatsApp support is available on +91 8806222222. You can also email customercare@poonawallafincorp.com. Always cross-check this against the number shown inside the Poonawalla Fincorp app before calling — fake customer-care numbers are one of India's most common financial frauds, and no genuine lender will ever ask you for an OTP, PIN or card details.
How do I file a complaint against Poonawalla Fincorp?
Work the escalation ladder in order. First, raise the complaint with Poonawalla Fincorp support (customercare@poonawallafincorp.com) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at grievance@poonawallafincorp.com. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.
How do I stop harassment calls from Poonawalla Fincorp recovery agents?
RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (grievance@poonawallafincorp.com), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

Download Poonawalla Fincorp

Get instant loan in minutes

Apply Now

Compare With

Compare Apps

Poonawalla Fincorp Tools

All Loan App Reviews

See how Poonawalla Fincorp stacks up against every other instant loan app we've reviewed — compare ratings, max loan and rates side by side.

Rank App Rating Max Loan Rate Review
1

Viva Money

FincFriends Private Limited

4.9 ₹2L 18% to 40% a year Read Review
2

Money Bro

JMJ Fintech Limited

4.9 ₹50,000 18.25% to 73% a year Read Review
3

B4Salary

Kisga Leasing & Finance Private Limited

4.8 ₹1L 35% to 36% a year Read Review
4

Bajaj Finserv

4.6 ₹55L 10.00% – 30.50% p.a. Read Review
5

Navi

4.6 ₹20L 9.90% – 29.00% p.a. Read Review
6

RupeeRedee

Fincfriends Private Limited

4.6 ₹2.5L 28% to 58% a year Read Review
7

CredMe

Exude Vincom Private Limited

4.6 ₹1.5L Up to 35% a year Read Review
8

Branch

Branch International Financial Services Private Limited (co-lending: Northern Arc Capital Limited; Vivriti Capital / Hari and Company Investments Madras Private Limited)

4.6 ₹5L 12% to 66% a year Read Review
9

Orrish

Orrish Finance Private Limited

4.6 ₹7L 12% – 30% p.a. on personal loans (Play); up to 1% per day on loans of up to 90 days Read Review
10

FlexiLoans Business Loan

4.58 ₹50L 12% – 28% p.a. (official: 'from 1%/month'; ceiling unpublished) Read Review
11

KreditBee

KrazyBee Services Limited (NBFC) plus partner lenders: Northern Arc Capital, MAS Financial Services, PayU Finance India, Kisetsu Saison Finance, Piramal Finance, Cholamandalam, Mirae Asset Financial S

4.5 ₹10L 12.00% – 28.50% p.a. Read Review
12

MoneyView

Multiple partner NBFCs/banks: Whizdm Finance Pvt Ltd (Moneyview group NBFC), Aditya Birla Finance, DMI Finance, Clix Capital, Kisetsu Saison Finance, SMFG India Credit, Piramal Capital & Housing Finan

4.5 ₹10L 14.00% – 24.00% p.a. Read Review
13

Home Credit

Home Credit India Finance Pvt. Ltd. (NBFC; subsidiary of TVS Holdings Ltd.)

4.5 ₹4.8L 19.20% – 44.00% p.a. Read Review
14

Fibe

NBFC partners

4.5 ₹10L 18.00% – 36.00% p.a. Read Review
15

Piramal Finance

Piramal Finance Limited (formerly Piramal Capital & Housing Finance Limited)

4.5 ₹25L 12.99% – 24.00% p.a. Read Review
16

True Balance

True Credits Private Limited (group NBFC) plus partner NBFCs: Grow Money Capital, InCred Financial Services, Vivriti Capital, Northern Arc, OXYZO Financial Services

4.5 ₹2L 28.80% – 36.00% p.a. Read Review
17

SalaryOnTime

Kasar Credit & Capital Private Limited, Karn Securities Private Limited

4.5 ₹1L 35% to 36% a year Read Review
18

TezCredit

Finagle Financial Services Private Limited

4.5 ₹2.5L 12% to 36% a year Read Review
19

TapLend

Barbarik Finco Private Limited (formerly Baba Lease and Investment Private Limited)

4.5 ₹2L 24% to 36% a year Read Review
20

CashVia

Grow Money Capital Private Limited

4.5 ₹2L Not published Read Review
21

LendingPlate

Unifinz Capital India Limited (NBFC, RBI CoR 14.00233)

4.5 ₹2.5L 12% – 30% p.a. Read Review
22

mPokket

mPokket Financial Services Private Limited (NBFC; LSP/app owner: Maybright Ventures Private Limited)

4.4 ₹2L 22.00% – 36.00% p.a. Read Review
23

LazyPay

NBFC partners

4.4 ₹5L 18.00% – 32.00% p.a. Read Review
24

Kissht

SiCreva Capital Services Pvt. Ltd. (OnEMI/Kissht group NBFC) plus financing partners (logos: Aditya Birla, Mirae Asset Financial Services, Northern Arc, Piramal, SMFG, Suryoday, Utkarsh, Vivriti, MAS)

4.4 ₹5L 14.00% – 30.00% p.a. Read Review
25

Freo

Multiple partners: Kisetsu Saison Finance (India) Pvt Ltd, SMFG India Credit, InCred Finance, RBL Bank, Apollo Finvest (India) Ltd, Cholamandalam, Lendbox, Komac Investments & Finance, Aspire Finance,

4.4 ₹5L 13.00% – 36.00% p.a. Read Review
26

Nira

Multiple NBFC partners (LSP model): Northern Arc Capital, Niyogin Fintech, Avanti Finance, PayU Finance, Trillion Loans (formerly BharatPe-linked), Komac Investments and Finance (KIFPL); NIRA = Shuhar

4.4 ₹1L 24.00% – 36.00% p.a. Read Review
27

RapidRupee

Bee Pee Jay Finance Limited (group NBFC); Yuvaraj Finance Private Limited (partner)

4.4 ₹20,000 12% to 36% a year Read Review
28

PayMe

ScaleUp Financial Services Private Limited (formerly PayMe India Financial Services Private Limited); also Finkurve Financial Services Limited (Arvog) and Ruloans Financial Services Private Limited

4.4 ₹5L 18% to 36% a year Read Review
29

CreditSea

Partner NBFCs: Chhotaria Securities Pvt Ltd (NBFC Reg B-05.04798), Meghdoot Mercantile Pvt Ltd (B-05.03357), CP Capital Ltd, TapStart Capital Pvt Ltd, Coffers Finvest Ltd (formerly GSB Finance). Credi

4.4 ₹2L 14% – 36% p.a. Read Review
30

CASHe

Bhanix Finance and Investment Limited (NBFC)

4.3 ₹3L 33.50% – 36.00% p.a. Read Review
31

FlexSalary

Vivifi India Finance Private Limited (RBI CoR N-09.00447)

4.3 ₹3L 18.00% – 42.00% p.a. Read Review
32

OLYV

Multiple partner NBFCs (homepage logos: InCred, Northern Arc, PayU Finance, Poonawalla Fincorp, Upmove, Vivriti Capital); platform is SmartCoin Financials Pvt. Ltd.

4.3 ₹5L 18.00% – 36.00% p.a. Read Review
33

Rupee112

Aadhar India Finvest Limited

4.3 ₹5L Up to 35% a year Read Review
34

Chinmay Finlease

Chinmay Finlease Limited

4.3 ₹5L 28% to 36.5% a year Read Review
35

Bright Loans

Avinash Capital Markets Private Limited

4.3 ₹1.2L 35% to 487% a year Read Review
36

BharatLoan

Solomon Capital Private Limited

4.3 ₹5L 35% to 365% a year Read Review
37

My Money Bazaar

Bansal In Hold Limited (also Aasra Fincorp Private Limited)

4.3 ₹5L 0.077% – 0.10% a day in Play examples (28.1% – 36.5% a year); APR up to 115.03% Read Review
38

CashPey

Naman Commodities Private Limited

4.3 ₹5L 18% – 36% p.a. (Play listing); APR up to 50% Read Review
39

RING Power Loan

Si-Creva Capital Services Pvt Ltd (in-house, RBI reg N-13.02129), Northern Arc Capital, MAS Financial Services, Utkarsh Small Finance Bank

4.3 ₹5L 32% – 57% p.a. Read Review
40

Stashfin

Akara Capital Advisors Private Limited (NBFC); co-lending partners Cholamandalam Investment and Finance Co Ltd, Northern Arc Capital Ltd, Oxyzo Financial Services Pvt Ltd

4.2 ₹5L 11.99% – 59.99% p.a. Read Review
41

PayRupik

Sayyam Investments Pvt. Ltd. (RBI-registered NBFC)

4.2 ₹2.5L 20.00% – 36.00% p.a. Read Review
42

Oro Money

Tenmark Capital Private Limited (Orocorp's own NBFC subsidiary); also Kumbhat Financial Services Limited and Sunita Finlease Limited (personal and bridge loans); gold loans also funded by The Federal Bank Limited (a bank)

4.2 ₹25L 9.9% to 35% a year Read Review
43

Kubiz Capital

Kubiz Capital Private Limited

4.2 ₹1L 18% to 36% a year Read Review
44

Direct Credit

Meet Finance Private Limited

4.2 ₹200L From 9.99% a year Read Review
45

Hero FinCorp

Hero FinCorp Limited (NBFC, lends directly)

4.2 ₹7L 18% p.a. onwards (no published cap) Read Review
46

TrustPaisa

Thanvir Bros Private Limited and Sonu Marketing Private Limited (Brahma Finance)

4.1 ₹45,000 Up to 36% a year Read Review
47

ATM Cred

Swastik Finance Limited

4.1 ₹1L 18% – 36% APR (Play); up to 3% per month (lender page) Read Review
48

Pocketly

Speel Finance Company Private Limited (NBFC; owns and operates Pocketly)

4.1 ₹50,000 24% – 36% p.a. (all-in APR up to ~132% with fees, per third-party listings) Read Review
49

HDFC Bank Pre-approved Personal Loan (Insta)

HDFC Bank Limited (scheduled private sector bank)

4 ₹50L 9.99% – 24.00% p.a. Read Review
50

ICICI Bank Personal Loan

ICICI Bank Limited (scheduled private sector bank)

4 ₹50L 9.99% – 16.50% p.a. Read Review
51

Axis Bank Instant Loan

Axis Bank Limited (scheduled private-sector bank; lends directly)

4 ₹50L 9.99% – 22.00% p.a. Read Review
52

The Zenith Loan

Zenith Machinery Private Limited

4 ₹1L 264% to 456% a year Read Review
53

Snap Paisa

Ampire Finance Private Limited

4 ₹1L 15% to 35% a year Read Review
54

SalariedLoan

Gopi Securities Private Limited

4 ₹5L 35% a year Read Review
55

Sabka Loan

Mahashakti Financiers Limited

4 ₹1L Up to 36% a year Read Review
56

RupeeGo

Salora Capital Limited

4 ₹5L Up to 36% a year Read Review
57

Paisa Daily

Ready Leasings Private Limited

4 ₹50,000 365% a year Read Review
58

PaisaBoxx

Sawalsha Leasing & Finance Private Limited

4 ₹1L Not published Read Review
59

Ola Loan

InCred Financial Services, Tata Capital, Kisetsu Saison Finance (Credit Saison India), Poonawalla Fincorp, DMI Finance and other partners named by Ola Financial Services

4 ₹10L Not published Read Review
60

Money Finserve

Gopi Securities Private Limited

4 ₹5L 35% a year Read Review
61

KredTap

Salora Capital Limited (the website also names Capital Trade Links Limited)

4 ₹1L 12% to 32.5% a year Read Review
62

Kredito24

North East Hire Purchase Company (India) Private Limited (also GSD Trading And Financial Services Private Limited and Asomi Finance Private Limited)

4 ₹40,000 0% to 73% a year Read Review
63

Fundo Baba

U.Y. Fincorp Limited

4 ₹1L 182.5% to 365% a year Read Review
64

CashToYou

Mount Shikhar Financial Services Limited, Savantika Vanijya Private Limited

4 ₹40,000 0% to 73% a year Read Review
65

Apollo Finvest

Apollo Finvest (India) Limited

4 ₹50,000 Not published Read Review
66

Dhan Pocket

Pawansut Holdings Limited (named by Dhan Pocket; the NBFC's own website does not list it)

4 ₹1L 0.5% – 1% per day (182.5% – 365% a year); the site also prints an APR of 15% – 35% Read Review
67

DhanCash

Ind Global Securities Limited

4 ₹1L 0.4% – 1.1% per day (146% – 401.5% a year) Read Review
68

Aditya Birla Personal Loan

Aditya Birla Capital Limited (NBFC-ICC, Upper Layer; Aditya Birla Finance merged into it)

4 ₹50L 10% – 28% p.a. Read Review
69

DigiCredit

Khosya Finlease Private Limited (NBFC); DSG Investments Private Limited also shown as a partner

4 ₹75,000 Up to 36% p.a. (stated cap; floor not disclosed) Read Review
70

FatakPay

FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)

4 ₹5L 18% – 40% p.a. Read Review
71

InstaMoney

Innofin Solutions Private Limited; Aeroflex Finance Private Limited (NBFCs). InstaMoney is operated by Roctogen Services Pvt Ltd (not an NBFC).

4 ₹1L 24% – 48% p.a. Read Review
72

Ram Fincorp

R.K. Bansal Finance Private Limited (NBFC, self-declared RBI registration B-14.00700); Ram Fincorp = Kundanmal Technology Pvt Ltd, LSP only

4 ₹2L 15% – 35% p.a. (listed) Read Review
73

RapidMoney

RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL Finance); Fintree Finance Pvt Ltd — RapidMoney (MoneyTime Technology Solutions Pvt Ltd) is an LSP

4 ₹15,000 36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee Read Review
74

Unity SFB Personal Loan

Unity Small Finance Bank Limited (bank, lends on own book)

4 ₹5L 16% – 30% p.a. Read Review
75

Zype

Respo Financial Capital Private Limited

4 ₹5L 18% – 34% p.a. Read Review
76

True Fund

4 ₹0 Not disclosed Read Review
77

Tap4Credit

4 ₹0 Not disclosed Read Review
78

Poonawalla Fincorp

4 ₹5L 16% p.a. onwards (no published cap) You're here
79

PayTrust

4 ₹0 Not disclosed Read Review
80

HDFC SmartEMI

HDFC Bank Limited (scheduled private sector bank)

4 ₹0 From 0.99% per month; rates actually charged Apr–Jun 2026: 10.80%–24.96% p.a. Read Review
81

DMI Finance

4 ₹10L 13.99% – 24.90% p.a. Read Review
82

BharatPe Credit Line

YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders

4 ₹15L 18% – 70% p.a. Read Review
83

Chintamani Finlease

Chintamani Finlease Limited

3.8 ₹3L Up to 26% a year Read Review
84

ZapCash

Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)

3.8 ₹5L 12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day Read Review
85

AbhiCash

C.N.M.P. Investments Private Limited

3.6 ₹2L 14% to 36% a year Read Review
86

Omozing

Aparampaar Finance Private Limited

3.5 ₹25L 11% to 59% a year Read Review
87

Instant Mudra

Chintamani Finlease Limited

3.5 ₹30,000 Up to 66% a year Read Review
88

Cash247

Meghdoot Mercantile Private Limited

3.5 ₹2L 12% to 32.5% a year Read Review
89

Udhaar Box

Moneyplus Financial Services Limited

3.4 ₹50,000 10.5% to 365% a year Read Review
90

Prefr

Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services

3.2 ₹5L 18% – 30% p.a. Read Review
91

SalaryMantra

Bagmane Traders Private Limited

3.1 ₹1.5L Up to 35% a year Read Review
92

SMFG India Credit

SMFG India Credit Company Limited

2.6 ₹10L 12.50% – 30.00% p.a. Read Review

Disclaimer: BankCreds.com is a loan comparison platform and does not directly lend, disburse, or provide any financial products. We aggregate and display loan offers from RBI-registered banks and NBFCs to help you make an informed decision. All loan applications are processed directly by the respective lender. Interest rates, charges, eligibility, and terms shown are indicative and subject to the lender's final assessment. Please read the lender's terms and conditions carefully before applying.