Complete Loan Solutions - BharatCred Advisory

Complete Loan Solutions

Fast approvals • Competitive rates • 100+ Bank partners • Instant disbursement

Apply for Loan

Our Loan Products

Comprehensive financing solutions for every need

KYC Loan

Instant digital loan with 5 simple steps

15 Minute Disbursement
Loan Highlights
Loan Amount₹10,000 - ₹5,00,000
Interest Rate10.5% - 18% p.a.
Tenure3 months - 5 years
Processing Fee1-2% of loan
Disbursement15 minutes
Eligibility
  • Age: 21 to 65 years
  • Valid Aadhaar & PAN card
  • Credit Score: 650+
  • Monthly Income: ₹15,000+
  • Employment: Salaried/Self-employed
  • No collateral required
Required Documents

Identity: Aadhaar, PAN
Address: Utility bills, Rent agreement
Income: Bank statement (3 months), Salary slips
Others: Photograph, Form 16

Personal Loan

Fast, flexible finance for every life goal

24-48 Hour Approval
Loan Details
Loan Amount₹50,000 - ₹40,00,000
Interest Rate10.49% - 24% p.a.
Tenure1 year - 7 years
Processing FeeUp to 3%
PrepaymentAfter 6 EMIs
Who Can Apply
  • Salaried & Self-employed
  • Age: 21 to 60 years
  • Work Experience: 2+ years
  • CIBIL Score: 700+
  • Monthly Income: ₹25,000+
  • Stable employment
Documents Required

For Salaried: Salary slips (3 months), Form 16, Bank statements (6 months)
For Self-Employed: ITR (2 years), Business proof, Bank statements
Common: ID proof, Address proof, Photos

Business Loan

Fuel your business growth & expansion

Up to ₹1 Crore
Business Finance
Loan Amount₹1,00,000 - ₹1,00,00,000
Interest Rate11% - 18% p.a.
TenureUp to 10 years
Processing3-7 days
CollateralMay be required
Requirements
  • Business Age: 2+ years
  • Annual Turnover: ₹10L+
  • ITR of last 2 years
  • GST Registration
  • Bank statements (6-12 months)
  • Business ownership proof
Documents

Business: Registration, GST certificate, Trade license
Financial: ITR (2 years), Balance sheet, P&L
Bank: 12 months statements
Owner: ID, Address proof, Photos

MSME Loans

Specialized financing for SMEs

Government Subsidies Available
MSME Benefits
Loan Amount₹10,000 - ₹10,00,00,000
Interest Rate8% - 14% p.a.
TenureUp to 15 years
SubsidiesAvailable
SchemesMudra, Stand-Up India
Eligibility
  • MSME/Udyam registration
  • Business operational 1+ year
  • Valid business license
  • GST registration
  • Good credit history
  • Business plan required
MSME Documents

Registration: Udyam certificate, Business license
Financial: ITR, Bank statements, GST returns
Business: Project report, Quotations
Identity: Owner ID & address proof

Home Loan

Make your dream home a reality

Up to ₹10 Crore
Home Loan Features
Loan AmountUp to ₹10,00,00,000
Interest Rate8.5% - 11.5% p.a.
TenureUp to 30 years
LTV RatioUp to 90%
Tax BenefitsUp to ₹3.5L/year
Eligibility
  • Age: 21 to 65 years
  • Income: ₹35,000+ per month
  • CIBIL Score: 750+
  • Stable employment (3+ years)
  • Property documents
  • Good repayment capacity
Documents

Property: Sale deed, Approval plans, NOC
Income: Salary slips, ITR, Bank statements
Identity: Aadhaar, PAN, Passport
Others: Valuation report, Insurance

Loan Against Property

Unlock your property's value

Up to ₹5 Crore
LAP Details
Loan Amount₹5,00,000 - ₹5,00,00,000
Interest Rate9% - 14% p.a.
TenureUp to 15 years
LTVUp to 65%
PurposeAny personal/business use
Requirements
  • Property ownership documents
  • Clear property title
  • Property valuation report
  • Income proof required
  • Good credit score
  • Retain property ownership
Documents

Property: Title deed, Tax receipts, Encumbrance certificate
Income: Salary slips/ITR, Bank statements
Identity: ID & Address proof
Others: Property valuation, Insurance

Used & New Car Loan

Drive your dream car today

Quick Approval in 2-5 Days
Auto Finance
Loan Amount₹1,00,000 - ₹1,00,00,000
Interest Rate8.5% - 12% p.a.
Tenure1 year - 7 years
Down Payment10-20%
Processing2-5 days
Eligibility
  • Age: 21 to 60 years
  • Stable income source
  • Valid driving license
  • Good credit history
  • New & used cars eligible
  • All brands & models
Documents

Identity: Aadhaar, PAN, Driving license
Income: Salary slips, Bank statements
Vehicle: Quotation, Proforma invoice
Others: Address proof, Photographs

Commercial Vehicle Loan

Empower your logistics business

Finance New & Used Vehicles
Vehicle Finance
Loan Amount₹2,00,000 - ₹1,00,00,000
Interest Rate9% - 13% p.a.
TenureUp to 7 years
Down Payment15-25%
Processing3-7 days
Requirements
  • Business/transport license
  • Vehicle RC copy
  • Income/business proof
  • Good credit score
  • Trucks, buses, tippers eligible
  • Tractors, JCBs covered
Documents

Business: Transport license, Business registration
Vehicle: Quotation, RC copy (used)
Financial: Bank statements, ITR
Identity: ID & Address proof, Photos

Machinery Loan

Upgrade with latest equipment

Industry-Best Interest Rates
Equipment Finance
Loan Amount₹5,00,000 - ₹5,00,00,000
Interest Rate10% - 15% p.a.
TenureUp to 10 years
FinanceUp to 90% value
Processing5-10 days
Eligibility
  • Business operational 2+ years
  • Machinery quotation/invoice
  • Business financials required
  • GST registration
  • Manufacturing/Industrial units
  • Good credit history
Documents

Business: Registration, GST certificate, License
Machinery: Quotation, Proforma invoice, Specifications
Financial: ITR, Bank statements (12 months)
Identity: Owner ID & address proof

Loan Comparison Chart

Compare all our loan products at a glance

Loan Type Amount Range Interest Rate Max Tenure Processing Time
KYC Loan₹10K - ₹5L10.5% - 18%5 Years15 Minutes
Personal Loan₹50K - ₹40L10.49% - 24%7 Years24-48 Hours
Business Loan₹1L - ₹1Cr11% - 18%10 Years3-7 Days
MSME Loan₹10K - ₹10Cr8% - 14%15 Years5-10 Days
Home LoanUp to ₹10Cr8.5% - 11.5%30 Years7-15 Days
Loan Against Property₹5L - ₹5Cr9% - 14%15 Years7-10 Days
Car Loan₹1L - ₹1Cr8.5% - 12%7 Years2-5 Days
Commercial Vehicle₹2L - ₹1Cr9% - 13%7 Years3-7 Days
Machinery Loan₹5L - ₹5Cr10% - 15%10 Years5-10 Days

Ready to Apply for Your Loan?

Get instant approval with BharatCred's hassle-free process

+91 9853773940  |  bharatcred@outlook.com
Start Your Application Now