Loans that light up your plans, clearly & fairly.
Adarsh Capital brings you personal and business loans with transparent interest rates, minimal paperwork and quick digital disbursal — backed by the compliance and trust of an RBI registered NBFC.
*Subject to document verification and credit assessment.
Our Loan Products
Choose the loan that fits your need — every product comes with clear terms and no surprise charges.
Personal Loan
Unsecured funding for medical needs, weddings, travel or any personal expense.
Interest from 14% p.a. (APR)
Know more →Business Loan
Working capital and growth funding for MSMEs and self-employed professionals.
Interest from 16% p.a. (APR)
Know more →Home Loan
Purchase, construct or renovate your home with long repayment tenures.
Interest from 9% p.a. (APR)
Know more →Education Loan
Fund tuition, accommodation and other study-related expenses.
Interest from 10% p.a. (APR)
Know more →Marriage Loan
Plan your wedding — venue, jewellery, honeymoon — without compromise.
Interest from 14% p.a. (APR)
Know more →Gold Loan
Quick funds against your gold jewellery with minimal documentation.
Interest from 10% p.a. (APR)
Know more →Car Loan
Finance a new or pre-owned car with competitive interest rates.
Interest from 9.5% p.a. (APR)
Know more →Loan Against Property
Unlock your property's value for business, education or personal needs.
Interest from 11% p.a. (APR)
Know more →Emergency Loan
Small-ticket funds with minimal documentation, disbursed within hours.
Interest from 18% p.a. (APR)
Know more →How It Works
A simple, fully digital journey from application to disbursal.
Apply Online
Fill a simple application form with your basic details.
Upload Documents
Submit KYC and income documents digitally.
Get Verified
Our team verifies your details and assesses eligibility.
Receive Funds
Approved loan amount is disbursed to your bank account.
Why Adarsh Capital
RBI Registered NBFC
Backed by Uni-Com Fincorp Private Limited, a regulated Non-Banking Financial Company.
Transparent Pricing
Clear disclosure of interest rate, processing fee and total cost of loan — no hidden charges.
Fast Digital Process
Apply, verify and get approved online without branch visits.
Flexible Tenure
Choose a repayment tenure that suits your monthly budget.
Data Security
Your personal and financial data is encrypted and never shared without consent.
Fair Collection Practices
We follow the RBI Fair Practice Code — no harassment, ever.
Interest Rates & Charges
Transparent fees. Flexible repayment. No hidden surprises — that's how Adarsh Capital lends.
General Information
- Interest Rate
- Starting interest rate varies based on the loan product, credit history, financial obligations and the Company's Board-approved rate policy.
- Eligibility
- Loan approval is subject to successful KYC and income verification.
- APR & Repayment Schedule
- Min APR – 9% p.a., Max APR – 18% p.a. Repayment tenure: 3 to 240 months, depending on the loan product. T&C apply.
Fees & Policies
- Processing Fee
- Up to 3% of the sanctioned loan amount, plus applicable GST.
- Foreclosure Policy
- Part-prepayment is not permitted. Full foreclosure is allowed only after at least 3 EMIs have been paid, subject to Nil–4% charges on outstanding principal.
- Overdue EMI Charges
- 2% per month on the overdue amount.
Other Charges & Example
Cheque/Mandate Bounce: ₹500 per instance.
Loan Cancellation: No extra charges. Interest between disbursement & cancellation is payable. Processing fee is non-refundable.
Example
Loan of ₹1,00,000 at 9% p.a. for 24 months ≈ EMI of ₹4,569.
*Interest rates and final terms depend on your credit profile and are subject to credit assessment. Full details are available in our Interest Rate & Fees Policy.
Frequently Asked Questions
Find answers to common questions about our loan products and services.
All loans facilitated through Adarsh Capital are extended by Uni-Com Fincorp Private Limited, an RBI registered NBFC, subject to its credit policy.
PAN card, Aadhaar card, latest income proof (salary slips or ITR), and bank statements of the last 3-6 months.
Approvals are often quick but can take up to 24-48 hours depending on document verification and credit assessment.
We do not apply a fixed cut-off, but a credit score above 650 along with stable income improves your chances of approval.
Part-prepayment is not permitted. Full foreclosure is allowed after at least 3 EMIs have been paid, subject to the foreclosure charges disclosed in your loan agreement.
Your rate depends on your credit score, income, loan amount and tenure, in line with our Board-approved interest rate policy.
No. All applicable charges — processing fee, interest rate (APR) and foreclosure charges, if any — are disclosed upfront in your loan agreement and Key Fact Statement.
Your data is collected only with consent, used solely for loan processing, and protected as per our Privacy Policy and Data Security Policy.