CreditSaathi — Credit Ka Sahi Saathi

Personal loans you are likely to get

No fee, everWon't affect your credit scoreOnly RBI-regulated partners
One check. Every partner.Mobile → Details → Match → Apply

Check your offers

Free, about 2 minutes. Won’t affect your credit score.

How it works

  1. Verify your mobile

    One OTP, no passwords.

  2. Share basic details

    PAN, income and pincode. About a minute.

  3. See your matches

    Partners ranked by how well you fit their criteria.

  4. Apply with the partner

    Finish KYC and sign on the lender's or bank's own page.

Our lending partners

Every partner is a bank or NBFC regulated by the Reserve Bank of India. Each partner's grievance officer is listed so you always know who to contact. Full details are on the Lending Partners & Disclosures page.

NBFC registered with RBI, lends via CreditSea · Personal loans

Meghdoot Mercantile Pvt Ltd

Our role
Direct Selling Agent (DSA) and lead sourcing partner via CreditSea (Innotech CreditSea Platforms Pvt Ltd, Lending Service Provider)
Grievance officer
Mr. Vishesh Saigal
Email
grievance@meghdootmercantile.com
Phone
+91 79870 88709
Privacy policyTerms
NBFC registered with RBI, lends via CreditSea · Personal loans

Chhotaria Securities Pvt Ltd

Our role
Direct Selling Agent (DSA) and lead sourcing partner via CreditSea (Innotech CreditSea Platforms Pvt Ltd, Lending Service Provider)
Grievance officer
Ms. Avneet Kaur
Email
grievance@chhotariasecurities.com
Phone
+91 91099 57420
GrievancePrivacy policyTerms
Foreign bank operating in India · Credit cards

The Hongkong and Shanghai Banking Corporation Ltd (HSBC India)

Our role
Direct Selling Agent (DSA) and lead sourcing partner
Grievance officer
Mr. Sudeep Behari (Credit card code compliance officer)
Email
complaints.india@hsbc.bank.in
Phone
1800 267 3456
GrievancePrivacy policyTerms

Personal loan cost, explained

APR (Annual Percentage Rate) is the yearly cost of a loan including the interest rate and all fees, such as the processing fee. Compare loans on APR, not just the interest rate.

Representative example: a personal loan of ₹5,00,000 at 10.50% p.a. for 60 months with a processing fee of 1.5% (₹7,500) has an EMI of ₹10,747, total interest of ₹1,44,817, total cost of borrowing of ₹1,52,317 and an APR of 11.16%. Loans facilitated by CreditSaathi have repayment periods of 3 to 84 months and APR from 11.16% to a maximum of 35% p.a. CreditSaathi does not charge borrowers any fee.

Calculate your EMI and APR

Frequently asked questions

Is CreditSaathi a lender?

No. CreditSaathi is a digital platform. We act as a Lending Service Provider / Direct Selling Agent for the RBI-regulated banks and NBFCs listed on this page. The lender or bank decides your application and sets the rate and fees.

Is there any fee?

No. CreditSaathi does not charge you anything. We are paid by our partners when a loan is disbursed or a card is issued. This does not change what you pay.

Will checking offers affect my credit score?

Checking eligibility on CreditSaathi is a soft enquiry and does not affect your score. When you formally apply with a lender or bank, they may make a hard enquiry, which they will tell you about.

Where does my loan money come from and go to?

Loan money is paid directly by the lender into your own bank account, and you repay the lender directly. It never passes through CreditSaathi.

Someone asked me to pay a fee to get my loan approved. Is that you?

No. We never ask for upfront fees, OTPs or PINs. Do not pay. Report it to us, at cybercrime.gov.in or on 1930.

We're here to help

Call us

+91-7391072790
Monday to Saturday, 9:30 am to 6:30 pm (except national holidays)

Write to us

support@creditsaathi.co.in
Complaints: Grievance redressal

Check my offers — free