Apply for a Loan

Share a few details and our loan advisor will get in touch to guide you through the rest of the process.

Loan Application Details

This is only a preliminary enquiry, not a loan agreement. Our team will contact you within 1 business day.

1 Mobile Number 2 Your Details

Mobile Number

+91

We'll use this number to verify your application and stay in touch.

An application has already been submitted with this mobile number. Check its status here, or contact support if you need to apply again.

Personal Details

Full Name

Email Address

KYC Details

Aadhaar Number

PAN Number

Address Details

Address

PIN Code

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District

State

Residence Details

This helps us know which ownership documents to request from you later.

Self Owned Family Owned On Rent On Lease Other

Loan Requirement

Loan Amount

Loan Purpose

Loan Tenure (in months)

EMI (Monthly EMI)

₹0

EMI shown here is indicative and will be confirmed in your Key Fact Statement after credit assessment.

Bank Details for Disbursal

IFSC Code

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Account Number

Bank Name

Branch

I agree to the Terms & Conditions and Privacy Policy, and consent to being contacted regarding my loan application.

Next, you'll upload your KYC documents (Aadhaar, PAN, bank proof and photo). Your loan can only be processed and approved after these documents are submitted.

What Happens Next?

1. Our loan advisor calls to confirm your requirement
2. You submit KYC and income documents digitally
3. We verify details and share your Key Fact Statement
4. On acceptance, the loan is disbursed to your bank account

Need Help Deciding?

Compare our loan products or estimate your EMI before applying.

Personal Loan details → Business Loan details → EMI Calculator →

Have a general question instead of a new loan request? Contact Support →

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.