India's Integrated Multi-Lender Digital Platform

Empowering Credit For Heute & Morgen

Connect directly with India's leading Banks & NBFCs (ICICI, HDFC, Kotak, Shriram, Chola, IKF) for collateral-free Business, Vehicle, Personal, Gold, & Home Loans with transparent APR, instant KFS & RBI compliance.

Apply for Loan Instantly DSA Partner Onboarding (Early Release)Explore 8 Products

RBI Digital Lending Directions 2025DPDP Act 2023 CompliantTransparent Key Fact Statement (KFS)

Interactive EMI & Repayment Estimator

Calculate instant monthly installments with reducing balance formula

Pre-Approved Rates from 8.35%

Loan Amount Required₹10,00,000

₹50,000₹50 Lakh₹1 Crore₹2 Crores

Annual Interest Rate (% p.a.)10.50%

8.0% (Home Loan)12.5% (Business)16.0% (Personal)24.0%

Loan Tenure (Years)5 Years (60 Months)

1 Year5 Years15 Years30 Years (Home)

Estimated Monthly EMI

₹21,494 /month

Principal Amount:₹10,00,000

Total Interest Payable:₹2,89,640

Total Repayment:₹12,89,640

Principal (78%)Interest (22%)

Apply Now for ₹10.00 Lakh

Initial Multi-Lender Panel • Live API & Dedicated Adapter Matrix

ICICI Bank Ltd

Direct API Sanction

HDFC Bank Ltd

Direct API Sanction

Kotak Mahindra Bank

Direct API Sanction

Shriram Finance Ltd

Direct API Sanction

Cholamandalam Investment & Finance

Manual Fulfilment

IKF Finance Ltd

Manual Fulfilment

Day-1 Product Suite

Tailored Financial Products for Every Need

Fully configurable rules engine, multi-lender eligibility scoring, and zero hidden charges across retail, MSME & wealth categories.

View Full Product Matrix

Popular for MSME

Business & MSME Loans

Working capital, machinery loan, LAP, LRD & LAS for expanding enterprises.

Max Ticket:₹5.00 Cr

Interest ROI:From 11.5% p.a.

Instant Eligibility Check

Zero Downpayment Options

Two-Wheeler Loans

Instant funding for electric, commuter and premium bikes / scooters.

Max Ticket:₹5.00 Lakh

Interest ROI:From 9.99% p.a.

Instant Eligibility Check

Instant 30-min Approval

Personal Loans

Instant unsecured funds for medical, wedding, travel or urgent personal needs.

Max Ticket:₹25.00 Lakh

Interest ROI:From 10.49% p.a.

Instant Eligibility Check

Lifetime Free Available

Credit Cards

Curated premium, cashback, travel and lifetime-free cards with instant limit check.

Max Ticket:₹10.00 Lakh

Interest ROI:From 0% p.a.

Instant Eligibility Check

Up to 90% LTV

Four-Wheeler & CV Loans

Competitive financing for private new/used cars and commercial vehicle fleets.

Max Ticket:₹1.50 Cr

Interest ROI:From 8.75% p.a.

Instant Eligibility Check

Highest Per-Gram Value

Gold Loans

Unlock the instant value of your gold jewelry with highest per-gram valuation.

Max Ticket:₹1.00 Cr

Interest ROI:From 8.9% p.a.

Instant Eligibility Check

Extra ₹50,000 Tax Benefit

National Pension System (NPS)

Regulated retirement wealth generation with dedicated tax savings under 80CCD.

Max Ticket:₹5.00 Lakh

Interest ROI:From 9.5% p.a.

Instant Eligibility Check

Lowest ROI from 8.35%

Home Loans & Balance Transfer

Affordable home financing for ready flats, construction, plots & balance transfer.

Max Ticket:₹10.00 Cr

Interest ROI:From 8.35% p.a.

Instant Eligibility Check

Priority Early Release Module

Grow Your Direct Selling Business with H&M Partner Network

Join hundreds of corporate DSAs, financial advisors, and loan agents across India. Get custom branded QR codes, instant lead disbursal tracking, automated commission ledgers, and maker-checker wallet payouts.

Instant Onboarding

Paperless PAN, Aadhaar & Bank penny-drop verification in 5 mins.

Automated Payouts

Tiered commission slabs up to 2.50% with dual Maker-Checker approval.

Launch Sub-DSA Partner Portal Generate Lead Referral QR

Sub-DSA Live Dashboard