Bharatloan is all about easy and a fast digital way of giving away loans to fellow Indians and coming to their aid when needed the most and at the earliest.

When unable to meet your day-to-day expenses or encounter an emergency situation, our team works as a helping shoulder and expedites your payment process.

As soon as you meet our eligibility criteria , provide requisite documents and credit assessment, we transfer the loan amount to your bank account in no time.

CORE Values :

1) VALUE OUR CLIENTS: We come to our clients’ rescue in case of a sudden financial crunch in situations like health crisis, credit card interest payment, debt refinancing, house renovation and other non-recurring expenses. (Excluding purchase of asset and education).

2) OUR COMMITMENT: Honesty and integrity are values we uphold as a company. We do not include loans for investments such as fixed assets or securities, illegal activities or education post high school.

WHY CHOOSE US?

1) UNSECURED PERSONAL LOAN: In the recent covid scenario we offer a safe secure digital platform to borrow quick money for emergency situations. Eligibility is based on your creditworthiness and no collateral is required. We provide advance salary loans for emergencies when you don’t have a financial backup or enough cash to meet unforeseen expenses/losses.

2) EASY FAST REDRESSAL : Secure and fast loan disbursal process is our forte. You don’t have to worry about the long and heavy documentation waiting process for getting a loan. Just a quick upload of required documents digitally would suffice and upon scanning, we approve and transfer your loan in 15 minutes.

3) FLEXIBLE : We can help you meet more than one unexpected expenses at a time; be it home/vehicle repair, medical bills, housing, utilities, wedding or other family emergencies. We have an easy go to application process without any upfront fees or charge.

Disclaimer: The interest rates could be higher compared to other long-term loans. We give only advance salary loans to Indian residents.

Application Process:

1) SHARE DETAILS: Fill out the easy loan approval form online. Your information is safe and secure with us. Be rest assured.
2) QUICK SCAN: Upon upload of the required documents we do a quick run through and verification via our fintech system. Our software technology is a secure accredited system that is manually updated by our team. We do not allow for any misuse of your personal information and adhere to strict rules and procedures in the company.
3) SAVE THE DAY TOGETHER: We shall inform over a phone call or email if any discrepancy occurs during the loan approval process.
4) LOAN DISBURSAL IN 3O MINUTES: Once all is clear, we transfer the loan amount securely to your bank account on the same day of the application process!

Eligibility :

1) Indian resident
2) Salaried Employee / Self Employed
3) Above 21 years of age
4) Savings Bank Account Holder
5) Decent CIBIL Score

Documentation :

1) Completely filled the personal loan application with photograph
2) PAN Card
3) Residence proof – Passport, driving licence, Voter ID, post-paid/landline bill, utility bills (electricity/water/gas).
4) Bank statements for the last 3 months(preferably your salary account).
5) Salary Slips of last 3 months.
6) Identity & Age Proof
7) Completely filled Rates and Fees

Monthly Interest Rate: 2.9166
Offered Annual Percentage Rate (APR): 35% (Fixed)
Tenure/Repayment Period: 1 - 3 Years
Minimum-Maximum Loan Amount: INR 10,000- 5,00,000
Processing Fee: 2%
GST on Processing Fee (Inclusive): 18%

Representative Example:
⁍ Loan Amount: ₹50,000
⁍ APR: 35%
⁍ Tenure: 12 months
⁍ Processing Fee: ₹1000
⁍ GST on Processing Fee: ₹180
⁍ Amount Disbursed: ₹49,000
⁍ EMI: ₹4,998
⁍ Total Repayment Amount: ₹59,978
⁍ Total Interest: ₹9,978

Company Accreditation
We are registered under the name DEVMUNI LEASING & FINANCE LIMITED, a registered NBFC (non-banking financial
institution), approved by RBI.