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Very Low Rates on All Loans
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We Offer Personal Loans | Pmegp Loan | Business Loan | Loan for Business Startup | Easy Instant Loan At Low Rate Of Interest

Loan up to 30 Lakhs | 100% Digital Process | Quick Approval

PMEGP Scheme – e Mudra Yojana / MSME Loan / SME Loan Government Schemes

Note: – Required Monthly Income More then Rs 15,000

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PMEGP YOJANA with 35% Subsidy
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What You Need to GET a Loan

Eligibility Criteria for a Funds Flow India Personal Loan

Check your Eligibility Now - Easy Application Process For Loan

Representative example:

Consider a Personal Loan of ₹1,00,000 at an interest rate of 9% per annum for a tenure of 12 months.

Processing fee is 2% of the loan amount = ₹2,000 + GST = ₹2,360

Line setup fee of ₹499 + GST = ₹588 to be paid before starting the credit line.

Then, the total interest payable is ₹4,942

The total amount payable is ₹1,04,942

The EMI will be ₹8,745

→Now Get Personal Loan With Aadhar card and PAN Card Only without Any Employment or Business ←

A feature-rich Personal Loan with multiple benefits

With the help of our digital financial solutions, salaried and independent workers can simply establish a line of credit that they can access as needed. This line of credit can help you get from a temporary cash flow problem to the point at which you can once again support yourself financially.

✘. No collateral/security

With an unsecured Personal Loan, you get the funds you need without pledging any security at all. It helps you to keep full possession of your assets and borrow money online without any hassles.

✘. Flexible repayment tenure

Paying back your loan should be a convenient, and you can experience this convenience with Funds Flow India Personal Loan. It comes with a flexible repayment tenure. You have the freedom to choose the tenure as per your repayment capacity.

✘. Multi-purpose high loan amount with no restrictions on usage

You can access a loan amount of up to ₹30 Lakh. These funds can be used for multiple purposes such as covering medical expenses, renovating a home, financing higher education, etc.

✘. No hidden charges

There’s nothing hidden in our fine print, and all loan conditions are clearly presented. This loan has no additional charges and you only pay what has been transparently communicated to you.

✘. Zero foreclosure/pre-payment charges

We don’t levy any prepayment or foreclosure charges. Therefore, borrowers can prepay their loan to reduce their debt burden without paying any additional charges

Ways to Use Personal Loan

With complete flexibility regarding its usage, a Personal Loan can be used to address any expense. Some of the most common reasons for taking an instant Personal Loan are as follows:

Renovate a house- Whether you want to rebuild your kitchen, build a new balcony, or make any other home modification, you can apply for a Personal Loan to cover the costs of these home renovation.
Fund child’s higher education- Apply for a Personal Loan to cover the cost of your child’s education.
Pay medical bills- Medical emergencies can take a toll on your finances. Even if you have health insurance, it may not cover all medical expenses during emergency. You may need prompt financial assistance to pay off hefty medical bills and, in such instances, Poonawalla Fincorp offers a quick medical emergency loan with flexible loan tenure.
Host a wedding- As a result of rise in inflation, weddings have become more expensive. You can take out a Personal Loan to cover these high-cost wedding expenses.
Pay travel fees- If you’re planning a vacation in India or abroad, and you’re looking for ways to pay for it, a Personal Loan for Travel is the right choice for you.

Loan EMI Calculator Here

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You Can Count On Us

Responsible Lending

Before we approve or disburse the loan, we are honest and open with our customers so they may make an informed decision. This is how we conduct totally responsible lending. The borrower receives all information up front, and there are no additional fees or charges.

We fully practice ethical recovery process, and our approach is based on compassion and tolerance. We use reasoning and persuasion to recover our dues without resorting to any high-handed measures.

We never use customer SMS or call records to contact their contacts or to intimidate them
When we feel the reasons for non-payment to be genuine we offer different solutions by which the problem can be resolved
Customers are called only during the day, that too during working hours

Seamless and Quick service

Our main endeavour is to give you a smooth and excellent borrowing experience. No complicated procedures or application forms, most minimum documentation, no waiting for days for approval. What can be better than this?

We understand that immediate funds can be required for a variety of reasons such as:

School fees getting delayed
Credit card payment
House rent payment
It can be illness in the family
EMI about to bounce

And this fund should be within your arms’ length – easily accessible. With our line of credit funds will always be available to you whenever you need them most.

Easy loan solutions for small agency, business and companies

Submit Required Document and Details for loan approval

Take our loans now and pay later when studies completed

Get small loans for more needs in 2 hours with less documents

Types of Quick Loans in India

There are several types of quick loans available in India, and these options are mentioned below:

Small Cash Loans in India: A payday loans is a short-term loan (unsecured in nature), and is disbursed within 2 to 4 hours of loan approval. You can apply for payday loans apply and get approval within minutes. The U.S.P of this loan is the hassle-free procedure. The financial institution or lender usually charges a higher rate of interest as the loan is advanced without demanding collateral. Such loan is mostly offered to salaried individuals only, wherein the EMI is to be paid on the pay-check date until repayment.
Same Day Loans: These loans are granted the same day of loan application. This credit system is best to meet emergency cash needs and requires only minimal documentation with no credit check. People with poor credit history or a bad credit score could be eligible to get this type of loan in short time. However, the interest rates of same day loans are much higher than regular loans.
Quick No Credit Check Loans: There are quick loans offered that require no credit check. These loans are mostly chosen by those with bad credit history. As soon as the documentation needed is verified, the money is disbursed to the borrower’s bank account. The interest rate charged however, is very high compared to other short tenure loans.
Credit Card Loans: You can take quick loan on credit card. Most financial institutions offer instant loans on credit cards that too at an affordable interest rate. The loan meets approval quick with no or minimal documentation. However not everyone can avail loan on all types of credit cards. Thus, it is advisable to check on the credit card you possess and the loan facility provided on it before making a decision of choosing the credit card.

Advantages of Quick Loans

Below mentioned are quick loan benefits.

No Credit Check: As mentioned earlier, quick loans do not necessarily required the applicant to maintain a good credit score, since the loan can be disbursed without credit check.
Speed of Approval and Disbursal: These loans are provided within 2 to 24 hours and at max 48 hours.
Unsecured Credit Facility: Quick loans are basically unsecured loans, wherein the financial institution or lender does not require a security or collateral.
Online Application: You can apply for quick loans online on Loanbaba.com.
Minimal Documentation: To avail these loans you need only minimal documentation such as identity and address proof and probably income proof. Thus, the approval and disbursal process is also quick.
Self-employed Individuals Can Apply: A quick loan can be availed by self-employed individuals in many cases.
Non-existing Customers Can Apply: Even if you are not an existing customer to the financial institution with which you apply for the quick loan, you can still get the loan.

Disadvantages of Quick Loans

Below listed are the quick loan disadvantages.

Higher Rates of Interest: The quick loans come with very high rate of interest. The rates are almost double of that applied on regular loans. Thus, these loans are considered expensive.
Many Non-certified Lenders: As many people require urgent cash, there are more than just official banks, NBFCs or certified lenders offering the loan. You must beware of shady lenders who are not certified as it can be risky to borrow from them.
Heavier EMIs: The quick loans are short term loans and are to be repaid in a few weeks to maximum 3 months. This means you have to pay heavier EMIs in limited time. If you are choosing a quick loan, look into the repayment tenure and associated conditions.

Features of Quick Loans in India

Below mentioned are features of Quick Loan, India.

Quick loans offered in India are different from that those offered worldwide.
These loans are not typically termed as ‘quick loans’ but carry different names and have different approval time-frames.
These loans however have simple documentation and lenient requirements.

The quick loans offered by the banks and financial institutions are different from the quick loans offered worldwide. There is no special kind of loans called quick loans in India but there are alternative loans with quick approval. These loans require have lenient requirements and simple documentation.

Tips to Choose the Best Quick Loan

If you want a higher loan amount, then you can opt for personal loan than credit card loans.
Check and compare interest rate, tenure, loan amount offered by several banks and NBFCs in India at our website, before taking a decision.
The right kind of quick loan depends on your requirements, thus it is important that you understand what your financial need is before applying for personal loan with a bank or NBFC.

HOW TO APPLY FOR A LOAN?

Some people think that a loan is a gift. However, it is not true. A loan is a money, property or other material goods given to another party in exchange for future repayment of the loan value amount, along with interest or other finance charges.

You can fill out the application form on the site and we’ll contact you within 1 hour. Once approved, you will receive the loan the next business days.

For an instant personal loan applications, go online:

Apply for a personal loan online with all of the Complete information to get a quick approval.
Personal loan applications submitted online are accepted in a few minutes.
Find out if you qualify for a loan and fill out the necessary paperwork.
After that, experts verify the submitted papers and loan application.
The loan is sanctioned after approval, and you will receive the funds in your bank account within 24 hours.

Why Choose Us?

Provide the best loan services and our experience staff help you. Less document and fast approve process of passages.

Professional Team

We share all information with our customers so that they can take informed decision and avail the loan they need

Attractive interest rates

We offer a Personal Loan at a low interest rate, ensuring that you save money by paying lower EMIs.

Easy To Apply

Simple application process and most minimum documentation. Sanctioning done within minutes of applying.

Transparent

We are transparent and all information is shared with the borrower and there are no hidden fees or charges

No Ambiquity

Adequate measures are taken to ensure that the customer understands the nature of the loan and there is no ambiguity.

We Approve Loans

90 %

Daily Payments

₹ 1 k

Staff Members

Happy Customers

112390 +

Instant Personal Loan Online

Funds Flow India is one of the most trusted bank loan consultants in India. We are associated with all major Banks and NBFCs. We act as intermediaries between lending institutions and borrowers. We solicit loans, represent creditors to borrowers, and represent borrowers to creditors.

Funds Flow India provides comprehensive solutions and guidance to all financial needs. Whether you are salaried, self-employed, or a retired person, our in-depth domain expertise is capable of meeting your extensive requirements within a specific stint.

EVERYTHING YOU NEED TO KNOW

Our sole vision is to attain the best standards and become India’s top financial consulting company.

Our mission is to work with intensity, dedication and innovation to achieve excellence in service. Digital Finance is committed to client safety, client secrecy, and data confidentiality.

Our consultants also provide doorstep services.

INSTANT LOAN

People may require urgent cash at any point in time. Whether it’s far wedding ceremony expenses, unexpected bills, investment in your dream, holiday, or medical emergency. Instant loan assists you to meet this kind of numerous economic wishes or crises. Instant loan is an unsecured loan, it is provided solely based on the creditworthiness of the borrower without pledging any collateral as security. It is extremely seamless with a paperless and hassle-free process.

Required Documents

Financials: Salary slips of the last three months.
Bank account statements: Salary account bank statement of last six months.
Employment Proof: Employee ID Card.
Identity Proof: Passport/ Voter Card/ Driving License/ PAN Card
Address Proof: Passport/ Driving License/ Ration Card/ Letter from employer (with HR undersigned)/ Latest electricity bill.

Personal Loan online

Personal loan is an unsecured loan that you can take to meet unspecified financial needs. A personal loan can be availed for various purposes such as wedding expenses, home remodeling, vacation costs, paying education fees, or medical emergencies.

Personal loans are approved and disbursed on the basis of key criteria such as employment record, income, and borrower’s creditworthiness.

Documents required for Salaried Individuals

Identity proof: Passport/ Voter Card/ Driving License/ PAN Card

Address proof: Passport/ Driving License/ Ration Card/ Letter from employer (with HR undersigned)/ Latest electricity bill.

Income details: Last 3 months’ salary slips/certificates, Salary account bank statement for last 6 months, Form 16 (TDS certificate)/ Income Tax Return of last 2 Years.

2 passport sized photographs.

Eligibility criteria for Personal loan: The eligibility criteria for a personal loan may differ from one lending partner to another, the following are some of the basic eligibility criteria applicable to personal loans for salaried individuals.

Age limit: 21 years to 60 years.

Minimum income: The minimum net monthly income criteria set by most of our lending partners for salaried individuals is ₹15,000.

Minimum total work experience: 1 year.

Minimum work experience with the current organization: 6 months

Credit score: 700 or above

Maximum loan amount: Most of our lending partners provide a loan of up to ₹15 lakh.

The minimum Annualized Percentage Rate (APR) is 9.75%

The maximum Annualized Percentage Rate (APR) is 24%

The interest rate varies based on your risk profile.

Minimal and maximum repayment period : 12 months to 60 months.

Entire repayment in 30 days or less is not allowed.

Our lending partners also charge a processing fee; that needs to be paid to get the loan processed and is usually 1.5%-2.5% of the loan amount.

Representative example:

Consider a Personal Loan of ₹1,00,000 at an interest rate of 9% per annum for a tenure of 12 months.

Processing fee is 2% of the loan amount = ₹2,000 + GST = ₹2,360

Line setup fee of ₹499 + GST = ₹588 to be paid before starting the credit line.

Then, the total interest payable is ₹4,942

The total amount payable is ₹1,04,942

The EMI will be ₹8,745

BUSINESS LOAN

Micro and small enterprises generate substantial financial benefits and offer employment for rural households. However, they need restricted access to resources from the banking and monetary sectors, that might facilitate them in upgrading their business. the micro-enterprise loan is obtainable to little and micro-enterprises. It will be applied for, from our application form section. This small bank loan comes with one of the simplest MSME loan interest rates compared to informal funding sources. It offers some wonderful advantages like borrowing with zero collaterals and threshold collection.

You are eligible for a Business Loan if you are either of the following:

Limited or Private Limited Company
Partnership or Proprietorship Firm
Chartered Accountant / Self Employed professional

Documents required for Business Loan:

Application form
1 Photograph of co-applicant
Income Details: IT returns, Balance sheet & P/L account statement for the last 2 years with Annexure, Form 16 A
Bank account statements for the last 3 months
KYC documents of co-applicant
Business vintage for 5 years

HOME LOAN

Buying a house is currently easier than ever. Our home equity loan offers you the most effective interest rates on housing finance and a good choice of property, so you’ll be able to live your best life. Apply for a home loan online with us and avail of our low EMI option and fast process facility. Once you have applied, you can even track your loan status. What is additional? we’ve got also dilated our criteria to form them more accessible. you furthermore might get the choice to effortlessly transfer a home loan if you’ve got an existing one. So, come, sleep in your dream home with us.

Products Portfolio

Loan against commercial property
Loan against residential property
Loan for purchase of commercial property
Loan against plot
Lease rental discounting

Documents required for Loan against property:

Application form, Photograph, Identity Proof, Address proof, Signature Proof, Date of Birth Proof, IT Returns & Balance Sheet & P/L Account statement for the last 2 years. Business Continuity Proof for 5 years. Bank account statements for the last 6 months. Copy of property paper to be mortgaged.

STUDENT EDUCATION LOAN

Education loans aim at providing funding to worthy/meritable students for following educational activity in the Republic of India associated abroad. With an array of services to decide on from and simple compensation options, we make positive you get complete monetary backing.

The student applying for an education loan must be an Indian Citizen and 18 years old or above.
There must be confirmed admission in the Institute before final disbursement of the education loan
The student loan must be co-signed by an earning co-borrower in India.

Co-Borrowers

The co-borrower of the abroad studies loan must be an Indian Citizen and could be a Parent, Sibling or Legal Guardian.
The co-borrower must have a bank account in any bank in India with chequebook facilities.
The co-borrower would necessarily be the primary debtor.

Documents Required for Student Loan

Student KYC & Educational documents, Course fee details, Co-Borrower KYC & Income documents, Collateral documents

Rates & Charges

Aside from the interest rate on a personal loan, there are a few other costs to consider, which are separated into three categories:- General fees, Miscellaneous fees, and Foreclosure fees.

Processing Fee – Up to 1.7% of the loan amount + GST

A processing fee is a one-time cost paid by lenders when a personal loan application is processed. Even if the loan is not approved, it is non-refundable.

Penal Interest/Additional Interest – 2% on Overdue amount per month + GST

Penal interest is the rate of interest that will be charged on late monthly instalments. The borrower will now be obliged to pay the additional interest as well as the delayed instalment.

Bounce Charges – Rs. 450 for every cheque/Payment Instrument Dishonour + GST

Mandate Rejection Service Charge – ₹ 400 + GST

Instrument Swap Charges – Rs. 450 + GST

CCOD Annual Maintenance Charges – 0.30% on Dropline Amount + GST or ₹ 750, whichever is higher per year will be deducted from the limit and shall be payable at the end of the 15th month.

Loan Cancellation Charges – 1.75% of loan amount or Rs. 5,350, whichever is higher + GST

Outstation Collection Charges – Rs. 150 + GST per repayment tenure

Statement of Accounts – Soft Copy – Nil.

Duplicate NOC – Rs. 500 + GST

Duplicate Repayment Schedule – Soft Copy–Nil

Post-Dated Cheque Charges – Rs. 650 + GST

Foreclosure Charges

No Pre-closure Charges

There are no pre-closure charges and the loan can be closed the moment your purpose is served

Foreclosure Letter Charges

Soft Copy – Nil

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