Financial Solutions
For Every Need
Smart Loans. Simple Process. Better Tomorrow.
Compare offers from 30+ banks and NBFCs. Save lakhs on interest. Check your CIBIL score — absolutely free.
50,000+ customers trust BharatFincred
Instant Funds
Get an eligibility estimate in 60 seconds
Solutions That
Save You Money
One platform. Multiple loan solutions. Designed to put more money back in your pocket.
Know Your CIBIL Score
Before Applying for a Loan
A good CIBIL score (750+) gets you lower interest rates and faster approvals. Check yours for free — it won't affect your score.
Get Your Free CIBIL Score
Our team will share your score within 24 hours
Balance Transfer
Savings Calculator
Move your loan at 10.5% and see exactly how much you save — instantly.
Enter Your Loan Details
Your Savings Summary
How Much Loan Are
You Eligible For?
Our eligibility checker uses your income, existing EMIs and FOIR to give you an accurate maximum loan amount estimate in seconds.
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Instant result — no documents needed
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FOIR-based accurate calculation
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Personalized product recommendations
Sample Eligibility Preview
Get Your Loan in 3 Steps
From application to disbursal — fast, transparent, paperless.
Fill Your Requirements
Compare Loan Offers
Get Funds Disbursed
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Frequently Asked Questions
A balance transfer means moving your existing loan from a high-interest lender to a new lender offering a lower interest rate. BharatFincred partners offer rates starting at 10.5% p.a. This reduces your monthly EMI and saves you money over the remaining tenure.
CIBIL score ranges from 300 to 900. A score of 750+ is considered excellent and gets you the best interest rates and fastest approvals. Scores below 650 can lead to rejection or higher rates. Checking your score with BharatFincred is free and does not impact your score.
FOIR (Fixed Obligation to Income Ratio) is the percentage of your monthly income that goes towards existing EMIs. Most lenders allow a maximum FOIR of 50%. If your total EMI obligations (existing + proposed) exceed 50% of income, your application may be rejected.
For balance transfers and personal loans, disbursal typically happens in 3-7 working days after document submission. Education loans may take 7-14 days. Home loans can take 3-4 weeks due to property verification. BharatFincred coordinates with lenders to expedite the process.
No. BharatFincred is a fintech platform. We connect you with our network of 30+ partner banks and NBFCs who offer the actual loans. Our service — comparing offers and assisting with applications — is completely free.
Standard documents include: PAN card, Aadhaar card, last 3 months salary slips (salaried) or 2 years ITR (self-employed), last 6 months bank statement, and proof of address. For home loans, property documents are additionally required.
Still have questions?
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