65+ Banks & NBFCs  |  RBI Compliant DSA Platform

All Loans — Fast Approval, Lowest Interest Rates

Personal · Home · Business · Gold · Car · MUDRA · MSME · PMEGP & more. Compare offers from 65+ banks. Trusted by 1500+ customers across Bihar & India.

100% SecureBank-level Data Protection
Quick Approval24–48 Hour Processing
Minimum DocumentsSimple & Paperless Process
65+ PartnersSBI · HDFC · ICICI & more
Expert SupportFree Loan Guidance
1500+Happy Customers
₹75 Cr+Loans Disbursed
24 HrsAvg. Approval Time
65+Banking Partners
All Loan Products

Complete Range of Loan Services

12+ loan types with competitive rates, flexible tenure and dedicated support from application to disbursal.

SME / Startup

Business Loan

Working capital, equipment purchase or business expansion — tailored loans for all business types.

Interest Rate
11% p.a. onwards
Max Loan
₹2 Crore
  • Loan up to ₹2 Crore
  • Minimum documentation
  • Flexible repayment options
  • Collateral-free options available
Apply Now
Secured

Loan Against Property

Leverage your residential or commercial property for business, education or any large requirement.

Interest Rate
9% p.a. onwards
Max Tenure
20 Years
  • Up to 70% of property value
  • Residential & commercial accepted
  • Tenure up to 20 years
  • Part-prepayment allowed
Apply Now
Vehicle Finance

New Car Loan

Drive home your dream car with 100% on-road funding from all leading banks. Zero hidden charges.

Interest Rate
8.5% p.a. onwards
Max Tenure
7 Years
  • Up to 100% on-road funding
  • All major car brands covered
  • Tenure: 1 to 7 years
  • Quick same-day approval
Apply Now
Vehicle Finance

Used Car Loan

Buy your favourite pre-owned car with easy financing. Cars up to 10 years old covered with high LTV.

Interest Rate
10% p.a. onwards
Max Loan
Up to 80%
  • Cars up to 10 years old
  • Up to 80% of car value
  • Approval within 24 hours
  • Easy documentation
Apply Now
Vehicle Finance

Two Wheeler Loan

Finance your new bike or scooter with zero-down options. Hero, Honda, Bajaj, TVS, Royal Enfield — all covered.

Interest Rate
9.5% p.a. onwards
Down Payment
Zero Option
  • 100% on-road price financing
  • Tenure: 12 to 48 months
  • All major brands covered
  • Same-day disbursal
Apply Now
Education

Education Loan

Fund higher education in India or abroad. Covers tuition, hostel, books, laptop and travel — all in one loan.

Interest Rate
8.15% p.a. onwards
Max Loan
₹1.5 Crore
  • India & abroad studies
  • Moratorium during study period
  • IT deduction under Sec 80E
  • Covers all study expenses
Apply Now
Govt. Scheme

MUDRA Loan (PMMY)

Collateral-free government-backed loans for micro entrepreneurs, shopkeepers, artisans and vendors.

Interest Rate
8.5% p.a. onwards
Max Loan
₹10 Lakhs
  • Shishu: up to ₹50,000
  • Kishor: ₹50K to ₹5 Lakh
  • Tarun: ₹5L to ₹10 Lakh
  • No collateral required
Apply Now
Govt. Scheme

MSME / SME Loan

Collateral-free credit up to ₹2 Crore for small and medium enterprises with government subsidies & ECLGS.

Subsidy
Up to 25%
Max Loan
₹2 Crore
  • Collateral-free up to ₹2 Crore
  • Interest subvention under ECLGS
  • Priority sector bank lending
  • Approved in 72 hours
Apply Now
Govt. Scheme

PMEGP Loan

PM Employment Generation Programme — set up your own unit with up to 35% margin money subsidy.

Subsidy
Up to 35%
Max Loan
₹50 Lakhs
  • Manufacturing: up to ₹50 Lakhs
  • Service sector: up to ₹20 Lakhs
  • SC/ST/Women: extra 5% subsidy
  • Via KVIC, KVIB & DIC
Apply Now
Why India Finance 4U

Why 1500+ Customers Choose Us

Transparent, fast and customer-first — we work for you, not the bank.

Lowest Interest Rates

We compare 65+ lenders and negotiate to get you the best rate — saving you lakhs over the loan tenure.

24–48 Hr Approval

Our streamlined process and bank relationships ensure faster approval and disbursal than applying directly.

65+ Bank Partners

SBI, HDFC, ICICI, Bajaj Finserv, Axis, Kotak, Muthoot, Manappuram and 57+ more — every major lender.

Minimum Documents

We help prepare exactly what's needed. Our team handles paperwork digitally — no running around.

Dedicated RM Support

A single relationship manager guides you from application to disbursal. No confusion, no runaround.

100% Secure & Transparent

Bank-level data security. No hidden fees. You know every charge before you sign any agreement.

Quick EMI Calculator

Estimate your monthly EMI before applying. No obligation.

Monthly EMI
₹ —
Our Partners

65+ Trusted Banking Partners

We work with India's leading banks and NBFCs to ensure the best loan offer for every customer.

SBI
HDFC Bank
ICICI Bank
Axis Bank
Kotak Mahindra
Bajaj Finserv
Bank of Baroda
Canara Bank
Punjab National Bank
Union Bank
IDBI Bank
IDFC First
Yes Bank
IndusInd Bank
RBL Bank
Tata Capital
Aditya Birla Finance
Manappuram Gold
Muthoot Finance
L&T Finance
HDB Financial
Chola Finance
IIFL Finance
Poonawalla Fincorp
Hero FinCorp
+ 40 More
Eligibility

Check Your Loan Eligibility

Our experts do a free eligibility check before submitting — zero risk to your CIBIL score.

Personal Loan Eligibility

  • Age21 – 60 Years
  • Min. Monthly Income₹15,000+
  • Employment TypeSalaried / Self-employed
  • Work ExperienceMin. 1 Year
  • CIBIL Score650+ Preferred
  • NationalityIndian Resident
Check Eligibility Free

Documents Required

  • Aadhaar Card & PAN Card (Identity Proof)
  • Aadhaar / Utility Bill (Address Proof)
  • Last 3 Salary Slips (Salaried) / 2 Year ITR (Self-employed)
  • Bank Statement — Last 6 Months
  • 2 Passport Size Photographs
  • Form 16 / Appointment Letter (Salaried)
  • Business Registration Proof (Business Loans)
  • Property Documents (Home Loan / LAP)
Get Document Checklist
Government Schemes

Govt.-Backed Loans & Financial Schemes

Subsidies up to 35% — we handle the paperwork, eligibility check and full application process end to end.

Micro Enterprise

MUDRA Yojana (PMMY)

Collateral-free loans up to ₹10 Lakh for micro entrepreneurs, vendors, artisans and self-employed individuals.

  • Shishu: up to ₹50,000 — new startups
  • Kishor: ₹50K–₹5 Lakh — growing units
  • Tarun: ₹5L–₹10 Lakh — established businesses
  • No collateral required
Apply Now
Small Business

MSME Development & Credit Guarantee

Financial support and credit guarantees for small and medium industries to expand and upgrade technology.

  • Loans up to ₹2 Crore — no collateral
  • Interest subvention 2% under ECLGS
  • Priority sector bank lending
  • Technology & infrastructure upgradation
Apply Now
Entrepreneurship

PMEGP — PM Employment Generation

Set up your own unit with government subsidy. Designed to create self-employment in rural and urban areas.

  • Subsidy up to 35% on project cost
  • Manufacturing: up to ₹50 Lakh
  • Open to individuals, SHGs, trusts
  • Implemented via KVIC, KVIB & DIC
Apply Now
SC / ST & Women

Stand Up India

Bank loans exclusively for SC, ST and women entrepreneurs setting up greenfield enterprises in any sector.

  • Loan range: ₹10 Lakh to ₹1 Crore
  • Manufacturing, services & trade
  • Repayment up to 7 years
  • One beneficiary per bank branch
Apply Now
Street Vendors

PM SVANidhi — Street Vendor Credit

Working capital loans for street vendors to restart livelihoods with credit history building and digital payment incentives.

  • Initial loan ₹10,000 — no collateral
  • Enhanced credit up to ₹50,000
  • 7% interest subsidy on repayment
  • Cashback on digital transactions
Apply Now
Housing Loan

PMAY — Pradhan Mantri Awas Yojana

Interest subsidy on home loans for EWS, LIG and MIG categories under Credit Linked Subsidy Scheme.

  • Subsidy up to ₹2.67 Lakh
  • Loan tenure up to 20 years
  • For EWS / LIG / MIG-I / MIG-II
  • New purchase & construction
Apply Now

Not sure which scheme suits you?

Our experts will check your eligibility and guide you through the entire application — free of cost.

Get Free Guidance
FAQs

Frequently Asked Questions

Everything you need to know before applying for a loan.

You need to be 21–60 years old with minimum monthly income of ₹15,000 (₹20,000 in metro cities), at least 1 year work experience (6 months current employer), and CIBIL score of 650+. Self-employed need 2+ years of business continuity.
Personal and car loans are typically approved within 24–48 hours. Home loans and business loans may take 3–7 working days depending on property verification and business assessment.
Most lenders require 650+. With a score above 750 you get the best interest rates. If your score is low, we work with NBFCs that offer flexible eligibility loans.
Yes. Personal Loans, MUDRA Loans, Business Loans up to ₹2 Crore under CGTMSE, and PMEGP loans are all collateral-free. Gold Loans require gold as collateral only.
Yes. Floating-rate loans generally allow free prepayment. Fixed-rate loans may have a foreclosure charge of 2–4%. We clarify all such terms before you sign any agreement.
We compare 65+ lenders at once, negotiate rates on your behalf, handle all paperwork, and follow up with the bank — saving you time and getting better rates. Our service is completely free for loan applicants.
Basic documents: Aadhaar Card, PAN Card, address proof, last 3 salary slips or 2 year ITR, 6-month bank statement, and 2 photographs. Additional documents for home loans or business loans. We provide a complete checklist free of charge.

Ready to Apply for Your Loan?

Our experts will compare 65+ lenders and get you the best deal — completely free of charge.

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