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I hereby declare that I am Indian National. I agree to IndiaLends Privacy Policy
and T&Cs and authorize IndiaLends to carry out credit enquiries on the Credit
Bureaus. I give my consent to one or more lending partners of IndiaLends to make
one or multiple credit enquiries with the credit bureaus or any other agencies
authorized by RBI. I also authorize IndiaLends to retrieve credit report on my
behalf from CRIF Highmark Private Limited , Experian India Private Limited or
Transunion CIBIL Limited.
By clicking on verify, you consent to receiving communications including but not
limited to SMS, e-mails, phone calls, whatsapp from us and/or our partners,
including Banks and NBFCs, with respect to your transaction on the website or
for any other purpose. This consent will override any registration for DNC/NDNC.
You hereby consent to IndiaLends being appointed as your authorised
representative to receive your Credit Information from Experian and sharing it
with its affiliate financial partners (Specified Users under CICRA, 2005) for
the purpose of providing curated products and sharing the Credit Information
with such affiliate financial partners. (“End Use Purpose”)
Verify Now




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IMPORTANT INFORMATION IN RELATION ACCESS TO CREDIT INFORMATION THROUGH CRIF
HIGHMARK

×

You hereby appoint GC Web Ventures Pvt. Ltd. (hereinafter, "IndiaLends") as your
authorized representative to receive your credit information from CRIF Highmark.
You hereby irrevocably and unconditionally consent to such credit information
being provided by CRIF Highmark to you and IndiaLends, and you hereby agree,
acknowledge, and accept the terms and conditions set forth herein. You hereby
also acknowledge that for IndiaLends to service you as a customer to access your
credit worthiness, the credit information shall be shared by CRIF Highmark with
you and IndiaLends on a quarterly basis in a period of 12 months continuously (4
reports in a year) to ensure that you are able to view your complete credit
history. Please read the terms and conditions of this document carefully before
accepting. By clicking on the “I Accept” button below, you are expressly
agreeing to access the CRIF Highmark credit information report and credit score
(as defined in the important information section below and together referred as
“credit information”) and share a copy of the credit information with IndiaLends
in the “as is” format. Please click on the link below to read and understand the
important information section below. ** This document is an electronic record in
terms of the Information Technology Act, 2000, and rules made there under, and
the amended provisions pertaining to electronic records.




IMPORTANT INFORMATION CONSENT IN RELATION TO ACCESS TO CREDIT INFORMATION
THROUGH EXPERIAN

×

This End User Agreement (the “Agreement”) is made between you (the “User” or
“You”) and GC Web Ventures Pvt. Ltd., a private limited company having its
registered office at Plot no. 31, 2nd Floor, Sector 18, Udyog Vihar, Sector 18,
Gurugram, Haryana - 122015. (“CLIENT”, “Us” or “We”, which term shall include
its successors and permitted assigns). The User and CLIENT shall be collectively
referred to as the “Parties” and individually as a “Party”.
You hereby consent to  CLIENT being appointed as your authorised representative
to receive your Credit Information on an ongoing basis until the (i) for the
purpose of determining credit worthiness of consumer through using Provider’s
Credit Information Report and sharing relevant credit products with the
consumer; and (ii) in relation to credit monitoring that enables the Individual
Consumers to monitor various active loan products, new enquiries, movement of
credit score, delayed payments flags etc., (“End Use Purpose”) is satisfied or
expiry of 6 months from date the consent is collected; whichever is earlier.
BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS
THE EXPERIAN CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES,
INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS
“CREDIT INFORMATION”). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT
TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND CLIENT BY USING
EXPERIAN TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND
ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN.
Terms and Conditions:
Information Collection, Use, Confidentiality, No-Disclosure and Data Purging
CLIENT shall access your Credit Information as your authorized representative
and CLIENT shall use the Credit Information for limited End Use Purpose
consisting of and in relation to the services proposed to be availed by you from
CLIENT. We shall not aggregate, retain, store, copy, reproduce, republish,
upload, post, transmit, sell or rent the Credit Information to any other person
and the same cannot be copied or reproduced other than as agreed herein and in
furtherance to applicable law including the CICRA. The Parties agree to protect
and keep confidential the Credit Information both online and offline. The Credit
Information shared by you, or received on by us on your behalf shall be
destroyed, purged, erased immediately upon the completion of the transaction/
End Use Purpose for which the Credit Information report was procured, this
period not being longer than 6 months.
Governing Law and Jurisdiction
The relationship between you and CLIENT shall be governed by laws of India and
all claims or disputes arising there from shall be subject to the exclusive
jurisdiction of the courts of Mumbai.
Definitions:
Capitalised terms used herein but not defined above shall have the following
meanings:
“Business Day” means a day (other than a public holiday) on which banks are open
for general business in Mumbai.
“Credit Information Report” means the credit information / scores/ aggregates /
variables / inferences or reports which shall be generated by Experian;
“Credit Score” means the score which shall be mentioned on the Credit
Information Report which shall be computed by Experian.
“CICRA” shall mean the Credit Information Companies (Regulation) Act, 2005 read
with the Credit Information Companies Rules, 2006 and the Credit Information
Companies Regulations, 2006, and shall include any other rules and regulations
prescribed thereunder.
PLEASE READ THE ABOVEMENTIONED TERMS AND CONDITIONS AND CLICK ON “ACCEPT”
FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS/ FOR SHARING OF
YOUR CREDIT INFORMATION BY EXPERIAN WITH CLIENT IN ITS CAPACITY AS YOUR
AUTHORISED REPRESENTATIVE. BY CLICKING “ACCEPT” YOU AGREE AND ACCEPT THE
DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN.




IMPORTANT INFORMATION IN RELATION ACCESS TO CREDIT INFORMATION THROUGH
TRANSUNION

×

To,
TransUnion CIBIL Limited [Formerly known as Credit Information Bureau (India)
Limited]
19th Floor, One World Centre Tower-2A-2B, 
841 Senapati Bapat Marg,
Lower Parel,
Mumbai – 400 013


Sub: Grant of Consent

In connection with submission of the application for my credit information
offered by CIBIL (“Consumer Credit Information”) and other related credit
products (Credit Products) offered by CIBIL through GC Web Ventures Private
Limited (referred to as the “Company”) and delivery of the Consumer Credit
Information and Credit Products to the Company, I hereby acknowledge and agree
to the following:
A. The Company is my lawfully appointed agent and he / it has agreed to be my
agent for the purposes, including, without limitation, to receive the Consumer
Credit Information and Credit Products from TUCL on my behalf and use it and the
Company has granted its consent for being appointed for the aforesaid purpose.
B. I grant my unconditional consent to the Company to receive the Consumer
Credit Information and Credit Products from TUCL on my behalf and the Company
has granted its consent for being appointed for the aforesaid purpose. I hereby
represent and acknowledge that the Terms of Understanding in relation to the use
of the Consumer Credit Information and Credit Products has been agreed between
me and the Company.
C. I hereby expressly grant unconditional consent to, and direct, TUCL to
deliver my Consumer Credit Information and Credit Products to the Company on my
behalf.
D. I agree that my consent shall be stored by the Company on a permanent basis
and shall be verifiable from time to time. I understand that the Company cannot
access the Consumer Credit Information for more than 6 months on a single
Consumer Consent and the same shall be required to be refreshed every six (6)
months. Company can store the Consumer Credit Information only for (i) a limited
time period of six months or (ii) till such time the credit information is
required to be retained to satisfy the purpose for which it was provided or
(iii) until I withdraw my consent to store such Consumer Credit Information,
whichever is earlier and thereafter, the stored Consumer Credit Information
shall be deleted, purged, expunged by the Company.
E. I shall not hold TUCL responsible or liable for any loss, claim, liability,
or damage of any kind resulting from, arising out of, or in any way related to:
(a) delivery of my Consumer Credit Information and Credit Products to the
Company ; (b) any use, modification or disclosure by the Company of the
contents, in whole or in part, of my Consumer Credit Information or Credit
Products , whether authorized or not; (c) any breach of confidentiality or
privacy in relation to delivery of my Consumer Credit Information to the
Company.
F. I acknowledge and accept that TUCL has not made any promises or
representations to me in order to induce me to provide my Consumer Credit
Information or seek any consent or authorization in this regard.
G. I agree that I may be required to record my consent / provide consent
electronically and in all such cases I understand that by clicking on the "I
Accept" button below, I am providing "written consent " to [COMPANY] authorizing
[COMPANY] to obtain my Consumer Credit Information from my personal credit
profile from TransUnion CIBIL LIMITED]. I further authorize [COMPANY] to obtain
such information solely to confirm my identity and display my Consumer Credit
Information to me. Further in all such cases “By checking this box and clicking
on the ‘Authorize button, I agree to the terms and conditions, acknowledge
receipt of TUCL privacy policy and agree to its terms, and confirm my
authorization for [COMPANY] to obtain my Consumer Credit Information and Credit
Products.
H. I understand that in order to deliver the product to me, I hereby authorize
[COMPANY], to obtain my Consumer Credit Information and Credit Products from
TUCL.
I. By submitting this registration form, I understand that I am providing
express written consent for [COMPANY] to request and receive information about
me from third parties, including but not limited to a copy of my consumer credit
report and score from consumer reporting agencies, at any time for so long as I
have an active [COMPANY] account. I further authorize [COMPANY] to retain a copy
of my information for use in accordance with [COMPANY’S] Terms of Use and
Privacy Policy.
J. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS
AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
K. I shall not sue or otherwise make or present any demand or claim, and I
irrevocably, unconditionally and entirely release, waive and forever discharge
TUCL , its officers, directors, employees, agents, licensees, affiliates,
successors and assigns, jointly and individually (hereinafter “Releasee”), from
any and all manner of liabilities, claims, demands, losses, claims, suits, costs
and expenses (including court costs and reasonable attorney fees) (“Losses”),
whatsoever, in law or equity, whether known or unknown, which I ever had, now
have, or in the future may have against the Releasee with respect to the
submission of my Consumer Credit Information or Credit Products and / or my
decision to provide TUCL with the authority to deliver my Consumer Credit
Information and Credit Products to the Company . I agree to defend, indemnify,
and hold harmless the Releasee from and against any and all Losses resulting
from claims made against TUCL L by third parties arising from and in connection
with this letter.
L. I agree that the terms of this confirmation letter shall be governed by the
laws of India and shall be subject to the exclusive jurisdiction of the courts
located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to
assign its rights hereunder to any third person without taking my prior written
consent.






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Rating & Reviews

The results speak for themselves, see our reviews from happy users

At first place i could not believe that getting a credit card is that easy and
quick. Thanks to IndiaLends for being such a great help. 10 out of 10 for their
consultative approach. Also, my big thanks to the agent for guiding me
throughout my credit card application process. Keep it up guys. Great Work!!!

Narender Kumar

It's very nice.. I have applied Rbl bank credit card.. Thanks for Mr. Paras. He
told me about this application.. You can get credit card.. Thanks Indialends

Nitin Singh

Excellent App to know your credit history and score. I got my credit report and
the credit history absolutely free for 12 months. The report's actual cost is
Rs.1200 and they are offering it with no cost. Thanks IndiaLends

Kannan Babu

They are amazing, they guide you through all the necessary processes. They are
just a mail or call away. Very helpful. India lends executives are polite,
professional and always ready to help. Happy and satisfied with their service .
My loan is approved and disbursed.

Chandni Subba

 1. 
 2. 

At first place i could not believe that getting a credit card is that easy and
quick. Thanks to IndiaLends for being such a great help. 10 out of 10 for their
consultative approach. Also, my big thanks to the agent for guiding me
throughout my credit card application process. Keep it up guys. Great Work!!!

Narender Kumar

It's very nice.. I have applied Rbl bank credit card.. Thanks for Mr. Paras. He
told me about this application.. You can get credit card.. Thanks Indialends

Nitin Singh

Excellent App to know your credit history and score. I got my credit report and
the credit history absolutely free for 12 months. The report's actual cost is
Rs.1200 and they are offering it with no cost. Thanks IndiaLends

Kannan Babu

They are amazing, they guide you through all the necessary processes. They are
just a mail or call away. Very helpful. India lends executives are polite,
professional and always ready to help. Happy and satisfied with their service .
My loan is approved and disbursed.

Chandni Subba

 1. 
 2. 
 3. 
 4. 

Awards & Recognitions

We are humbled that our work has been recognised

 * Google selected IndiaLends for the 4th edition of the Launchpad Accelerator
   Program, at the Google Developers Launchpad Space in San Francisco.

 * Best Emerging Tech Vendor of the Year at ET BFSI Excellence Awards 2019.

 * Gaurav Chopra, Co-Founder & CEO IndiaLends won Entrepreneur of the year 2019
   by Business World.

 * SKOCH Order-of Merit Awards, 2019.

 * IndiaLends was part of Inc42's 42Next 2018, a list of the 42 most innovative
   startups causing an impact in the Indian startup ecosystem.

 * Mayank Kachhwaha, Co-Founder & COO IndiaLends won Forbes India 30 under 30
   entrepreneur.

 * Google selected IndiaLends for the 4th edition of the Launchpad Accelerator
   Program, at the Google Developers Launchpad Space in San Francisco.

 * Best Emerging Tech Vendor of the Year at ET BFSI Excellence Awards 2019.

 * Gaurav Chopra, Co-Founder & CEO IndiaLends won Entrepreneur of the year 2019
   by Business World.

 * SKOCH Order-of Merit Awards, 2019.

 * IndiaLends was part of Inc42's 42Next 2018, a list of the 42 most innovative
   startups causing an impact in the Indian startup ecosystem.

 * Mayank Kachhwaha, Co-Founder & COO IndiaLends won Forbes India 30 under 30
   entrepreneur.

 * Google selected IndiaLends for the 4th edition of the Launchpad Accelerator
   Program, at the Google Developers Launchpad Space in San Francisco.

 * Best Emerging Tech Vendor of the Year at ET BFSI Excellence Awards 2019.

 * Gaurav Chopra, Co-Founder & CEO IndiaLends won Entrepreneur of the year 2019
   by Business World.

 * SKOCH Order-of Merit Awards, 2019.

 * IndiaLends was part of Inc42's 42Next 2018, a list of the 42 most innovative
   startups causing an impact in the Indian startup ecosystem.

 * Mayank Kachhwaha, Co-Founder & COO IndiaLends won Forbes India 30 under 30
   entrepreneur.

Frequently Asked Questions


 * WHAT IS A CREDIT CARD?
   
   A Credit Card is a plastic card issued by a financial institution which
   offers a line of credit to the customer to purchase goods/services. This line
   of credit comes with a limit which allows a customer to consume up to a
   specific amount, set by the financial institution which has offered the card.


 * HOW IS A CREDIT CARD DIFFERENT FROM A DEBIT CARD?
   
   A Debit Card allows you to withdraw money deposited in your bank account.
   Hence, the money that is being used is deducted from your bank account.
   However, a Credit Card is a form of Credit which is not related to your
   Personal bank accounts.


 * WHAT IS EMI? HOW IS IT CALCULATED?
   
   An equated monthly instalment (EMI) is the amount of money that is paid back
   to the lender on a monthly basis. It is essentially made up of two parts, the
   principal amount and the interest on the principal amount equally divided
   across each month in pre-decided tenure. The EMI is always paid up to the
   bank or lender on a fixed date each month until the total amount due is paid
   up during the tenure.


 * WHY WILL MY CREDIT CARD APPLICATION BE REJECTED?
   
   If you have a bad Credit Score, have defaulted on repayments or don’t meet
   the basic criteria, you are likely to get rejected. If you do not meet the
   bank’s eligibility, you are likely to get rejected as well.


 * CAN I DEACTIVATE MY CREDIT CARD?
   
   Yes, you can deactivate your card by contacting the Customer Care Service or
   your home branch.

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IDFC bank First Millenia credit card

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IndusInd Bank Platinum Aura Edge Credit Card

Get 1% cashback on all retail spends. Retail spends upto Rs. 10,000 will be
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Axis Bank Magnus Credit Card

Choose between one complimentary domestic flight ticket and a Tata CLiQ voucher
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1st Year Fees : ₹ 10000 + GST | Annual Fees : ₹ 10000 + GST

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Axis Bank Select Credit Card

Priority Pass Membership with upto 12 international lounge.

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SBI Bank Elite Credit Card

Welcome e-Gift Voucher worth Rs. 5,000.

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Axis Bank Vistara Signature Credit Card

Complimentary Premium Economy Ticket voucher on fee payment and club Vistara
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1st Year Fees : ₹ 3000 + GST | Annual Fees : ₹ 3000 + GST

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Pulse SBI CARD

Complimentary 8 Domestic Lounge visits and Priority Pass Membership worth US $99
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IDFC bank First Select credit card

Complimentary Airport and Railway lounge access – Railway &Domestic Lounge
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Standard Chartered Smart Credit Card

Spend Rs. 2,500 within 30 days of card issuance. Also, enjoy ZERO annual fee for
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AU Bank Altura Credit Card

5% Cashback on minimum Rs. 2,500 retail spends done within first 60 days of card
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Please wait while we are verifying your details.

 * 

 * PRODUCTS
   
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 * RESOURCES
   
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 * COMPANY
   
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 * MORE
   
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Copyright 2023 GC Web Ventures Pvt. Ltd. All Rights Reserved


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Score for Credit Card  |  Cibil Score for Personal Loan  |  Cibil Credit Report
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Score  |  Equifax Credit Report  |  Credit Bureaus in India  |  Improve your
Credit Score  |  Achieve Good Credit Score  |  Experian Credit Report  |  Myths
about Credit Score  |  Highmark Credit Score  |  Repair Faulty Credit Report | 
Resolve Cibil Dispute |  Read Cibil Report |  Cibil Score Benefits | 
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Credit Score  |  How is your Credit Score calculated  |  How to read Credit
Report  |  How your Credit Score is used  |  Impact on late payment on Credit
Score  |  Importance of Credit Score  |  Reason to check Credit Report
regularly |  Steps to check Credit Report |  Steps to rectify your Credit
Report |  Things you won't find in credit report |  Can a Credit Card Improve
Your Credit Score? |  Credit Monitoring |  Credit Score Matters at Retirement | 
Major Factors That Affect Your Credit Score |  Credit Report Checklist | 
Reasons for Loan Rejection Other Than Credit Score |  Loan Settlement Can Ruin
Your Credit Score |  Does a name change affect your Credit Score? |  Effects of
PAN Card on Credit Score |  The Link Between MCLR and Credit Score |  Applying
for a Home Loan? Improve your Credit Score |  How to Remove Your Name from
CIBIL’s Defaulter List |  How Can Customers Check their Credit History | 
Payment History - How it Affects Your Credit Score |  Who issues Credit Ratings
or Credit Scores |  Credit Report for Business Loan |  Can your employment get
affected by your credit score |  How Long It Take To Improve Credit Score
Learn More

Personal Loan

A personal loan is a credit facility that does not require collateral and is
offered by banks and NBFCs to employed individuals. IndiaLends, the largest
online personal loan provider in the country, has assisted over 150,000
customers and collaborates with more than 70+ RBI-Approved partners to offer
personal loans tailored to different customer profiles. Here are some notable
features of the convenient personal loans available through IndiaLends.

Personal Loan Interest Rate

The interest rates offered to customers are subject to variation based on their
individual profiles. Typically, loan rates begin at approximately 10.25%. To
improve the likelihood of obtaining a loan at a lower interest rate, it is
advisable to maintain a strong credit history. Ideally, a CIBIL score above 750
is considered favorable.

Personal Loan Tenure

The repayment period for a Personal Loan typically ranges from 3 months to 6
years, allowing borrowers to choose a tenure that aligns with their
requirements. Whether one needs a short-term or long-term loan, they have the
flexibility to select a suitable repayment duration. However, it is crucial to
ensure that the Equated Monthly Installment (EMI) amount is manageable and can
be comfortably repaid each month.

Documents required to apply for a Personal loan

Financial institutions typically require certain documents before approving and
disbursing a loan. These documents include identification proof, address proof,
a copy of the PAN card, salary slips, recent bank statements, photographs, ECS
mandates, and post-dated cheques.

Personal Loan With Zero Pre-Payment Fee

Certain NBFCs offer customers the flexibility to fully repay the loan amount or
make partial pre-payments towards the principal. However, specific terms and
conditions are typically associated with such pre-payments. For instance,
pre-payment is usually allowed after 12 months, and a pre-payment fee may be
levied on the repaid amount. Nevertheless, these terms may vary depending on the
product, so it is essential to seek clarification from your lender regarding
pre-payment policies before the loan disbursal.

Low-Interest Personal Loan

As discussed earlier, the interest rates for personal loans can vary based on
the customer's profile. IndiaLends employs algorithms to strive to obtain the
most competitive interest rate product available for each customer.

Personal Loan From Banks

Banks are financial institutions registered with the Reserve Bank of India (RBI)
and engaged in various activities such as accepting deposits and providing
loans. In addition to universal banks, the RBI has recently introduced payment
banks and small finance banks. However, only universal banks and small finance
banks are authorized to lend to individuals. Applying through IndiaLends offers
the simplest method to obtain a personal loan from the leading banks in the
country. IndiaLends has established collaborations with renowned banks and
NBFCs, including HDFC, ICICI, RBL, IndusInd, Kotak, Yes Bank, and more.

Personal Loan From NBFCs

NBFCs are non-banking financial institutions registered with the Reserve Bank of
India (RBI), primarily engaged in lending to individuals and businesses. Unlike
banks, NBFCs are generally not authorized to accept customer deposits. They rely
on borrowing funds from banks for their lending activities, which often results
in comparatively higher interest rates on Personal Loans than those offered by
banks. Additionally, NBFCs tend to cater to a higher-risk profile segment,
leading to higher acceptance rates for loan applications.

New To Credit Loans

Although CIBIL and Experian maintain records for more than 150 million
individuals, a significant majority have never borrowed from an RBI-regulated
financial institution that is a member of a credit bureau. As a result, these
individuals lack a credit bureau record, meaning they have no credit history or
credit score. Due to the absence of a credit file, they often encounter
difficulties in securing loans from financial institutions. However, IndiaLends
has forged special partnerships with various banks, enabling them to assist some
individuals who are new to credit (with thin credit files) in accessing
low-interest personal loans.

Recently Declined Personal Loan Application

A significant number of consumers face loan application rejections from banks
due to factors such as inadequate credit history, limited affordability,
insufficient supporting documents, and more. However, IndiaLends can assist some
of these customers in obtaining affordable loans through collaborations with
specialized NBFCs.

Banks and NBFCs Partners

IndiaLends has established partnerships with a comprehensive range of lending
institutions, encompassing both prominent and smaller entities. Our
collaborations include renowned banks such as HDFC, ICICI, SBI, Kotak, IndusInd,
Tata Capital, Bajaj Finserv, IDFC First, IIFL, IndiaBulls, RBL Bank, DHFL,
Aditya Birla Finance, American Express, among others, ensuring a wide array of
options for our customers.

Loans For Phones / Desktops / Laptops And Tablets

IndiaLends offers easy installment personal loans starting from as low as Rs.
25,000 for customers who wish to purchase the latest gadgets, whether it's an
iPhone 7 or a MacBook Pro. This allows individuals to acquire their desired
gadgets through manageable loan amounts and easy repayment options.

EMI Without Credit Cards

While e-commerce marketplaces offer convenient EMI options for significant
purchases, these benefits are typically limited to customers who already possess
credit cards. Unfortunately, this privilege extends to only a small proportion
of the population, approximately 10 million individuals across the country.
However, IndiaLends provides an accessible solution through its online personal
loan, enabling individuals to swiftly make large-ticket purchases on e-commerce
platforms and convert them into affordable EMIs. This expands the opportunity
for a broader segment of customers to enjoy the convenience of EMI-based
shopping on e-commerce portals.

Credit Report

A credit report serves as a financial report card, encompassing historical data
regarding an individual's loans and credit cards. Various types of loan accounts
are included, such as Credit Cards, Personal Loans, Home loans, gold loans, Car
loans, Two-Wheeler loans, business loans, Loan against Property, Agriculture
loans, and more. Each account provides detailed information about repayment
history, loan amount, tenure, open and close dates, and other relevant details.
Credit Bureaus utilize this information to assess the risk associated with an
individual, resulting in a credit score. The credit score ranges from 300 to
900, and a higher score increases the likelihood of loan approval. In India,
there are four credit bureaus—CIBIL, Experian, Equifax, and Hi-Mark—providing
credit scores to individuals. IndiaLends has partnered with Experian and Hi-Mark
credit bureaus to offer its customers free credit reports and analysis.
Additionally, IndiaLends customers also receive complimentary credit report
refreshments every quarter for the first 12 months.

 * 


 * PRODUCTS
   
   Personal Loans Business Loan Credit Cards Credit Score Gold Loan


 * RESOURCES
   
   EMI Calculator IFSC Code FAQs My Dashboard PAN Card Tax Credit Cards in India


 * COMPANY
   
   About IndiaLends Blogs Contact Us


 * MORE
   
   Help Desk Privacy Policy Terms & Conditions Offers T&C Lender Contacts
   Grievance Details RBI Sachet


 * PERSONAL LOANS CITYWISE
   
   Personal Loan in Kolkata Personal Loan in Hyderabad Personal Loan in Chennai
   Personal Loan in Mumbai Personal Loan in Delhi Personal Loan in Pune Personal
   Loan in Bangalore Personal Loan in Jaipur Personal Loan in Ahmedabad Personal
   Loan in Hubli Personal Loan in Coimbatore Personal Loan in Surat Personal
   Loan in Nagpur Personal Loan in Indore Personal Loan in Vijayawada Personal
   Loan in Baroda Personal Loan in Kochi Personal Loan in Gwalior Personal Loan
   in Varanasi Personal Loan in Patna Personal Loan in Dehradun Personal Loan in
   Chandigarh Personal Loan in Mangalore Personal Loan in Lucknow Personal Loan
   in Mysore Personal Loan in Trivandrum Personal Loan in Jamshedpur Personal
   Loan in Kanpur Personal Loan in Kota Personal Loan in Visakhapatnam Personal
   Loan in Raipur Personal Loan in Bhopal Personal Loan in Jodhpur Personal Loan
   in Cuttack Personal Loan in Bhubaneswar


 * PERSONAL LOANS BANKWISE
   
   HDFC Personal Loan IDFC First Personal Loan Bajaj Finserv Personal Loan ICICI
   Personal Loan Kotak Personal Loan Yes Bank Personal Loan Personal Loan
   Balance Transfer Small Amount Personal Loan


 * CREDIT SCORE
   
   Cibil Score for Car Loan Cibil Score Customer Care Cibil Score for Credit
   Card Cibil Score for Personal Loan Cibil Credit Report Practices that leads
   to Bad Credit Score Loan settlement and your Credit Score Equifax Credit
   Report Credit Bureaus in India Improve your Credit Score Achieve Good Credit
   Score Experian Credit Report Myths about Credit Score Highmark Credit Score
   Repair Faulty Credit Report Resolve Cibil Dispute Read Cibil Report Cibil
   Score Benefits Correlation between credit rating and debts Minimum payment
   affect your Credit Score How is your Credit Score calculated How to read
   Credit Report How your Credit Score is used Impact on late payment on Credit
   Score Importance of Credit Score Reason to check Credit Report regularly
   Steps to check Credit Report Steps to rectify your Credit Report Things you
   won't find in credit report Can a Credit Card Improve Your Credit Score?
   Credit Monitoring Credit Score Matters at Retirement Major Factors That
   Affect Your Credit Score Credit Report Checklist Reasons for Loan Rejection
   Other Than Credit Score Loan Settlement Can Ruin Your Credit Score Does a
   name change affect your Credit Score? Effects of PAN Card on Credit Score The
   Link Between MCLR and Credit Score Applying for a Home Loan? Improve your
   Credit Score How to Remove Your Name from CIBIL’s Defaulter List How Can
   Customers Check their Credit History Payment History - How it Affects Your
   Credit Score Who issues Credit Ratings or Credit Scores Credit Report for
   Business Loan Can your employment get affected by your credit score How Long
   It Take To Improve Credit Score


 * LEARN MORE
   
   Personal Loan
   
   A personal loan is a credit facility that does not require collateral and is
   offered by banks and NBFCs to employed individuals. IndiaLends, the largest
   online personal loan provider in the country, has assisted over 150,000
   customers and collaborates with more than 70+ RBI-Approved partners to offer
   personal loans tailored to different customer profiles. Here are some notable
   features of the convenient personal loans available through IndiaLends.
   
   Personal Loan Interest Rate
   
   The interest rates offered to customers are subject to variation based on
   their individual profiles. Typically, loan rates begin at approximately
   10.25%. To improve the likelihood of obtaining a loan at a lower interest
   rate, it is advisable to maintain a strong credit history. Ideally, a CIBIL
   score above 750 is considered favorable.
   
   Personal Loan Tenure
   
   The repayment period for a Personal Loan typically ranges from 3 months to 6
   years, allowing borrowers to choose a tenure that aligns with their
   requirements. Whether one needs a short-term or long-term loan, they have the
   flexibility to select a suitable repayment duration. However, it is crucial
   to ensure that the Equated Monthly Installment (EMI) amount is manageable and
   can be comfortably repaid each month.
   
   Documents required to apply for a Personal loan
   
   Financial institutions typically require certain documents before approving
   and disbursing a loan. These documents include identification proof, address
   proof, a copy of the PAN card, salary slips, recent bank statements,
   photographs, ECS mandates, and post-dated cheques.
   
   Personal Loan With Zero Pre-Payment Fee
   
   Certain NBFCs offer customers the flexibility to fully repay the loan amount
   or make partial pre-payments towards the principal. However, specific terms
   and conditions are typically associated with such pre-payments. For instance,
   pre-payment is usually allowed after 12 months, and a pre-payment fee may be
   levied on the repaid amount. Nevertheless, these terms may vary depending on
   the product, so it is essential to seek clarification from your lender
   regarding pre-payment policies before the loan disbursal.
   
   Low-Interest Personal Loan
   
   As discussed earlier, the interest rates for personal loans can vary based on
   the customer's profile. IndiaLends employs algorithms to strive to obtain the
   most competitive interest rate product available for each customer.
   
   Personal Loan From Banks
   
   Banks are financial institutions registered with the Reserve Bank of India
   (RBI) and engaged in various activities such as accepting deposits and
   providing loans. In addition to universal banks, the RBI has recently
   introduced payment banks and small finance banks. However, only universal
   banks and small finance banks are authorized to lend to individuals. Applying
   through IndiaLends offers the simplest method to obtain a personal loan from
   the leading banks in the country. IndiaLends has established collaborations
   with renowned banks and NBFCs, including HDFC, ICICI, RBL, IndusInd, Kotak,
   Yes Bank, and more.
   
   Personal Loan From NBFCs
   
   NBFCs are non-banking financial institutions registered with the Reserve Bank
   of India (RBI), primarily engaged in lending to individuals and businesses.
   Unlike banks, NBFCs are generally not authorized to accept customer deposits.
   They rely on borrowing funds from banks for their lending activities, which
   often results in comparatively higher interest rates on Personal Loans than
   those offered by banks. Additionally, NBFCs tend to cater to a higher-risk
   profile segment, leading to higher acceptance rates for loan applications.
   
   New To Credit Loans
   
   Although CIBIL and Experian maintain records for more than 150 million
   individuals, a significant majority have never borrowed from an RBI-regulated
   financial institution that is a member of a credit bureau. As a result, these
   individuals lack a credit bureau record, meaning they have no credit history
   or credit score. Due to the absence of a credit file, they often encounter
   difficulties in securing loans from financial institutions. However,
   IndiaLends has forged special partnerships with various banks, enabling them
   to assist some individuals who are new to credit (with thin credit files) in
   accessing low-interest personal loans.
   
   Recently Declined Personal Loan Application
   
   A significant number of consumers face loan application rejections from banks
   due to factors such as inadequate credit history, limited affordability,
   insufficient supporting documents, and more. However, IndiaLends can assist
   some of these customers in obtaining affordable loans through collaborations
   with specialized NBFCs.
   
   Banks and NBFCs Partners
   
   IndiaLends has established partnerships with a comprehensive range of lending
   institutions, encompassing both prominent and smaller entities. Our
   collaborations include renowned banks such as HDFC, ICICI, SBI, Kotak,
   IndusInd, Tata Capital, Bajaj Finserv, IDFC First, IIFL, IndiaBulls, RBL
   Bank, DHFL, Aditya Birla Finance, American Express, among others, ensuring a
   wide array of options for our customers.
   
   Loans For Phones / Desktops / Laptops And Tablets
   
   IndiaLends offers easy installment personal loans starting from as low as Rs.
   25,000 for customers who wish to purchase the latest gadgets, whether it's an
   iPhone 7 or a MacBook Pro. This allows individuals to acquire their desired
   gadgets through manageable loan amounts and easy repayment options.
   
   EMI Without Credit Cards
   
   While e-commerce marketplaces offer convenient EMI options for significant
   purchases, these benefits are typically limited to customers who already
   possess credit cards. Unfortunately, this privilege extends to only a small
   proportion of the population, approximately 10 million individuals across the
   country. However, IndiaLends provides an accessible solution through its
   online personal loan, enabling individuals to swiftly make large-ticket
   purchases on e-commerce platforms and convert them into affordable EMIs. This
   expands the opportunity for a broader segment of customers to enjoy the
   convenience of EMI-based shopping on e-commerce portals.
   
   Credit Report
   
   A credit report serves as a financial report card, encompassing historical
   data regarding an individual's loans and credit cards. Various types of loan
   accounts are included, such as Credit Cards, Personal Loans, Home loans, gold
   loans, Car loans, Two-Wheeler loans, business loans, Loan against Property,
   Agriculture loans, and more. Each account provides detailed information about
   repayment history, loan amount, tenure, open and close dates, and other
   relevant details. Credit Bureaus utilize this information to assess the risk
   associated with an individual, resulting in a credit score. The credit score
   ranges from 300 to 900, and a higher score increases the likelihood of loan
   approval. In India, there are four credit bureaus—CIBIL, Experian, Equifax,
   and Hi-Mark—providing credit scores to individuals. IndiaLends has partnered
   with Experian and Hi-Mark credit bureaus to offer its customers free credit
   reports and analysis. Additionally, IndiaLends customers also receive
   complimentary credit report refreshments every quarter for the first 12
   months.

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